davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15USC 1681n. 
Portfolio # XXXX. XXXX XXXX XXXX. XXXX funding # XXXX. XXXX XXXX # XXXX. XXXX # XXXX. 15USC 1681 section 602 A. Stateside have a right to privacy. 
15USC 1681 section 604 A section 2 : it also starts a consumer reporting agency can not furnish a account without my written instructions. 15USC 1681c. ( a ) ( 5 ) section starts 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 7 years .15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if person knows or has reasonable cause to believe that information is Inaccurate
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (GA)

Re : Loan Number : XXXX Please correct your records regarding my now closed mortgage account. You are incorrectly listing a Federal Court Bankruptcy as discharged when its actual status is dismissed. Please see the attached XXXX credit report that correctly lists the Bankruptcy as dismissed. 

In addition, we attempted to contact your company to extend our forbearance into XXXX on XX/XX/year> @ XXXX. The call lasted 4 minutes and was to XXXX in the loss mitigation department @ XXXX. 

We demand that you correct your records to indicate the continuance of the forbearance that was in place XX/XX/year> - XX/XX/year> and add the entire month of XXXX through XX/XX/year>. Your company failed to make a good faith effort to extend the forbearance at a time when my wife was XX/XX/XXXX 

We will also update our open complaint with the Consumer Financial Protection Bureau, # XXXX, with the information in this email. 

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Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (IL)

I previously disputed this account XXXX XXXXXXXX XXXX XXXX debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Consumer complaint received 2023-03-13
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. (OK)

XXXX XXXX and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.
Consumer complaint received 2024-07-25
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: Exeter Finance, LLC. (MS)

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a zero balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would EXETER still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT EXETER FINANCE HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE NR/SMS/CAL, SHELLPOINT to good standing without the late payment. I have sent dispute letters again to the credit bureaus.
Consumer complaint received 2024-07-06
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: EQUIFAX, INC. (OK)

My backpack was stolen out of my car which included, computer, external XXXX XXXX, passport, wallet, drivers license, credit cards, social security card, XXXX card. A police report was made along with several FTC complaints filed. 

My credit report is show XXXX accounts with XXXX XXXX XXXX XXXX that are not correct and numerous injuries. 
XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX Inquiries - 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 XXXX XXXX XXXX XXXX this is on my XXXX account and some of the items but not limited to all could have been caused due to the breach that XXXX had XXXXhat put mu information at jeopardy.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-08-09
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. (DC)

I received correspondence that my servicer was switched from XXXX to AidVantage. While with XXXX, the total payment for my XXXX loans was {$230.00}. I applied for the XXXX program in XX/XX/2024 and was placed in administrative forbearance. I then made XXXX interest payment to XXXX. The XXXX program has since been struck down by a court. TodayXXXX XXXX/2024, the AidVantage website states that my loan payment is {$510.00}, over XXXX times what I have paid for many years. A representative at AidVantage had no record of my account or payments with XXXX and tried to force me to apply for new repayment plans. I repeatedly stated that I only want to resume the status quo that existed before the XXXX application and the court 's decision. However, the AidVantage representative essentially expressed that I was out of luck because I could not identify the specific names of loans that I had, that AidVantage did not have XXXX 's records, and that she could only offer me new loans. This is a scam of the highest order. Please return me to the status quo that existed prior to XX/XX/2024. I would like to resume payments of {$230.00} immediately, but this is not being offered to me. I am being forced to prove the records of the federal government and its chosen servicer. This is unfair.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
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. (DE)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MD)

I collection balance appeared on my credit report several months ago. I disputed the tradeline with the bureaus and they have determined that the collection is valid. I contacted the agency reporting to determine what this was in reference to. 
ALLIED COLLECTION SERVICES XXXX They advised that it was a balance from an apartment rental with XXXX XXXX XXXX. 
At this point I advised that my father lived there and is now deceased, and we share the same name - he was XXXX and I am 'XXXX  '. They advised that they believe I am the correct party and would not remove the collection from my credit. 
I disputed again with the bureaus and again they determined it to be accurate. Meanwhile the collection agent appears to be adding quite a bit of interest every month. 
I have never lived in XXXX, my father lived there for quite a long time until he got sick and we moved him to XXXX, which is where I am, and he passed shortly after. 
ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Balance {$670.00} High Balance {$480.00} Original Creditor XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the XXXX pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the XXXX XXXX provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.
Consumer complaint received 2024-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year> I went to a Bank of America to do a deposit, and after I put the money ( XXXX dollars ) the atm turn off and do not deposit it, then I call to the bank and they said will be on my account at XXXX business days, what never happen, and I call again on XXXX XX/XX/year> and the attendant says will be on my bank account today XX/XX/year>. And I never received it and I have a travel planed to today and I cant not to go with out the money, and the bank do not care about my money
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

We bought a new XXXX XXXX on XX/XX/2024. Initially, we also purchased the tire and wheel package for {$2200.00}. After reconsidering, we cancelled the tire and wheel package within the cancellation limitation window on XX/XX/XXXX. This cancellation was acknowledged by the XXXX XXXX and wheel department on XX/XX/XXXX ( request number XXXX. 

The VIN number last XXXX digits is XXXX. 

We paid the car off XX/XX/2024 with a cashiers check and received the title on XX/XX/2024. 

We have been trying to get a refund from Lexus Financial Services since we cancelled the tire and wheel package and have spoken to several people. It is XX/XX/XXXX and we still have not received the refund. 

The last person I spoke to on XX/XX/XXXX said the check had been approved and was sent to us on XX/XX/2024 ( check number XXXX ). He further stated that it would take XXXX to XXXX business days to receive the check in the mail. It has been XXXX business days and still no check. 

On XX/XX/2024 I spoke to a representative at XXXX XXXX XXXX who also stated the check was mailed. She said to give it fifteen business days and if we do not receive the check to call them and ask for a re-issue.
Consumer complaint received 2024-07-09
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. (TN)

XXXX XXXX, I contacted TransUnion to address ongoing issues. I have proof that XXXX XXXX XXXX XXXX is retracting the account reported. There are XXXX other accounts that Transunion shows as charge-offs ; yet, they reflect a balance, when the balance should be " XXXX ''. The accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX account.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

I RECENTLY GOT A EMAIL SAYING MY CREDIT SCORE WENT UP XXXX POINTS. I WENT ON MY 3 CREDIT AGENCIES AND FOUND OUT MY MORTGAGE HAD BEEN PAID OFF, SETTLED AND IT AFFECTED MY CREDIT SCORE IN A POSITIVE WAY. IF IT'S A TRANSFER OF THE OF THE MORTGAGE THEN WHY DID MY SCORE INCREASE TO XXXX, AND WHY DID IT SAY PAID OFF AND SATIFIED. SEE ATTACHED DOCUMENTS. 

MR.COOPER IS IN VIOLATION OF CFPB 1024.33 ( B ) ( 1 ) BY TRANSFERRING A MORTGAGE WITH IT'S OWN SUBSERVICER OR MERGING OR ACQUISITIONS OF SERVICERS AND SUBSERCICERS. I AGAIN, DON'T HAVE A CONTRACT WITH MR. COOPER AND HAVE NO POWER TO TRANSFER OR SELL MY MORTGAGE. 
THEY ARE NOW SAYING I OWE THEM MONEY WITHOUT A CONTRACT.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally dispute the following inaccurate information on my credit report. The item in question are : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable.

According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report.

Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance.

In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law.

I also request the Method of Verification ( MOV ) for how this information was verified.
Consumer complaint received 2024-07-06
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. (LA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received for the second time in XXXX years a garnishment summons. FIA card services working through XXXX XXXX XXXX XXXX have garnished my wages before with no knowledge of a supposed debt with them. I filed a homestead deed and stopped it. I just received another wage garnishment summons and they have started garnishing my wages yet again with no explanation, no nothing in what this debt from XXXX is. I have written them a debt validation letter that the received on XXXX XXXX. I have never received any correspondence before these two summons and them garnishing my wages. No billing statements, no nothing. The debt is supposedly from XXXX which was 16 years ago through Bank Of America. When I contacted the credit bureau XXXX they told me the address for that debt was from Florida. I have never lived in Florida in my life nor, have I ever had dealings with Bank Of America or FIA cards services. I filed a fraudulent address on my credit. I still have not received any validation from the company that the debt is mine, which, I know it is not my debt and this is fraudulent activity. I am in the process of filing another homestead deed. If the company does not validate the debt or prove that is mine, I will be hiring another lawyer to sue for the pay they have taken from me. I have never ever, received any correspondence from them ever.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am signed up with Experian for identity breach notifications. I received the attached notification. The email is my primary email ( XXXX ) which I have had for XXXX years. The other personal information in the notification is not mine. It concerns me a great deal that Experian has exposed someone elses personal information to me in a notification. It also concerns me that there was no avenue evident to me to report this issue by phone or online to Experian.