davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (IA)

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (TX)

I have not had service with XXXX XXXXXXXX XXXX, I sold that home in XX/XX/2022 and have not been there since. This move was in fact reported to XXXX  XXXX, power company, utilities, as well as the XXXX. 

This debt should immediately be removed. 

XXXX XXXX
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : -
Consumer complaint received 2024-06-09
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERICAN FINANCING CORPORATION (MO)

I applied with American finance which was listed as an approved lender for XXXX  loans. On their website it specifically says can be approved with a score of XXXX, pic included. At the time I applied my scores were low, apparently lower than XXXX. That was in XXXX. I then hired a credit repair firm which only charges if they produce work. My score increased significantly. I continued paying debt down and off. I opened new accounts to increase my available credit. And when all my scores were over XXXX, I reapplied last week. I found a house I wanted to apply for and explained this to the agent or loan officer. He immediately reapplied and I was notified an inquiry had been placed on my credit. I got nothing. No response whatsoever from him. No email, no call, nothing. I emailed again the following day, what is the status. Nothing. Emailed again, still no response. I then called on Friday and spoke with someone explaining I want someone who can communicate with me. I have no idea what is going on. The house we wanted we just lost, my score dropped because of the inquiry, and I have no idea if I have even been approved or denied. They also told me that even though the usda website says you can use a usda loan to build a home, no lender will allow that and I cant do it.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY (NY)

there are 2 hard inquires in my XXXX credit report were NOT from me. One is from TD Bank USA/Target inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( Target card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WA)

Loancares parent company XXXX had a cybersecurity breach sometime in XXXX. Loancare then shutdown everything their whole system - phones, email and website so we had XXXX form of communication. Weve still have received no information from them after over a week. We are unable to make payments, but they are sending us late notices. They have sent an email stating they were back up and running and to go make payments. However, the website still doesnt load we get a XXXX error each time we try to access it. Phone lines go nowhere. This is extremely unprofessional. They stated no late fees due to this however they ARE giving late fees. This company is looking out for its own interests and not working with us consumers at all. We do not know what of our personal information has been affected because they wont tell us.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CA)

I scheduled my payment to be taken out on the due date. They failed to take it out and charged me a late fee. I noticed that the funds were not taken out of my account so I called them to make a payment. They refused to reverse the late fee. Their staff is in XXXX and are completely incompetent. They told me several times there wasn't a late fee, but then my balance checks out and they added one then refused to take it off. They sent me an email after I requested to take it off, saying I was denied.
Consumer complaint received 2024-04-23
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. (GA)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.
Consumer complaint received 2024-06-07
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. (IL)

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 2023-08-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX 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 2023-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I was involved with an online dating scam for over 4 years. I live in the XXXX and the scammer lived in XXXX. 
The scammer requested money for medical operations and asked if money could be transferred to his Doctors bank account. On numerous emails I requested proof from the Dr that he was an actual dr and this was ignored. Eventually time was running out for the operations and I was coerced into sending partial payments. 
Money was sent via PayPal as friends when I asked PayPal for a refund for all XXXX XXXX transactions they disputed that this was a legitimate transaction and the case was closed. My complaint with this fraudster is with the XXXX XXXX  XXXX XXXX XXXX department and I was genuinely misled by an imposter. PayPal do not trust me because its a legitimate transfer as it was sent as friends. Yes the scammer did become a friend after one year and I was misled by all his lies and manipulation. In total I think it was 5 transactions to XXXX XXXX paid in USD email : XXXX I would like all my money returned as I was caught up in a XXXX XXXX circumstance.
Consumer complaint received 2024-04-24
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 disputed 3 items on my credit report with Experian due to inaccurate reporting and they responded to my CFPB complaint XXXX stating that the items are not on file or have been deleted. I checked my updated credit report, and the items that were disputed are in fact still on my credit report. Not only did Experian blatantly lie, but they also failed to provide sufficient evidence as to why the items are still on my credit report. I will list the items below that are to be removed from my credit report due to FCRA violations. XXXX and XXXX have removed the following items due to misleading and false reporting, so I am confused as to why Experian is still reporting these items. I will also attach the dispute letter, which is dated, and time stamped. This is my final notice before I continue with legal action. Please remove the following items that you stated were not reporting on my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I keep calling Mohela about my PSLF but can not get through. Every time I call and they say they will give me a call back they never give me one. I am so confused about so many things and can not find any clarification on the website nor anyone I can email so I am forced to use the unreliable call service.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I called Nelnet about a month and a half ago after I had submitted my consolidation application along with the IBR application to move one remaining loan to the SAVE plan. I was told it was pending and everything was fine. I am now calling today XX/XX/20 regarding status as its been another month since that call and they just keep telling me its pending. I am going to lose out on benefits under the SAVE plan like credit for payments, interest accrual waived, etc. I also am going to be expecting to pay on this loan despite all my other loans being in SAVE. I have been patient and its taking way too long.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2018-09-21
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. (GA)

There are 32 collection accounts on my credit report with Equifax that I have disputed. I am not aware nor do I have a contract with these credit collection agencies. I disputed the accounts with XXXX XXXX and XXXX who removed the fraudulent accounts but Equifax verified electronically in one day the information was updated. These collectors did not validate the accounts with me nor sent any proof so what did they send Equifax besides a form checked off saying the account is mine. Equifax isn't valdiating these accounts. I disputed twice XXXX and XXXX.
Consumer complaint received 2024-06-11
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Mr. Cooper Group Inc. (PA)

I am writing this letter to try to come to a resolution with my mortgage company Rushmore servicing they are not honoring previous executed loan modifications, and portal claims from XX/XX/XXXX. Also, with prior modification that was not even needed at the time it was just recommended just in case they denied it for writing on the actual submit it notarized notification from, XX/XX/XXXX, after one of their service members had to do that to explain about a quick claim deed that the XXXX was not a part of the mortgage, and that will be fine and it was denied for writing on it which they said to do I will be uploading proof from the prior mortgage company right path mortgaging with is actually part of Rushmore under Mr. Cooper so they should already have this but not a difference. Theyre also claiming I owe months which were already paid stated in this letter from right path now due to this, theyre saying I dont have enough money for the partial claim when the funds were already there prior now due to their errors dating back for years. Im still going on with the situation.
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Regarding my previous complaint under the # XXXX I REQUESTED THE SPECIFIC SIGNED BILL OR RECEIPT OF THIS TRANSACTION THAT SHOWS FOR HOW MUCH Resurgent Acquisitions LLC BOUGHT THIS ACCOUNT... THIS COMAPANY FAIL TO PROVIDE ME ANY SIGNED DOCUMENTS THAT HAS BEEN REQUESTED BY MY PERSON ....

If in 10 days of this new complaint Resurgent Acquisitions LLC FAILED TO PROVIDE ME ALL OF THE SIGNED DOCUMENTATION THAT HAS BEEN REQUESTED BY MY PERSON I WILL IMMEDIATELY FILE A LAWSUIT AGAINST Resurgent Acquisitions LLC FOR HIDDEN AND NEGLECTING TO PROVIDE ME SIGNED DOCUMENTATION FOR THIS ACCOUNT THAT HAVE MY PERSONAL AND FEDERAL INFORMATION IN IT...

Resurgent Acquisitions LLC JUST SEND ME A RANDOM PDF DOCUMENT STATING THEY BOUGHT THIS ACCOUNT FROM THE ORIGINAL CREDITOR FOR XXXX XXXX BUT OFCOURSE NO SIGNED BILL OR RECIEPT THAT PROOF THIS IS TRUE AND NEITHER FOR HOW MUCH THEY BOUGHT THIS ACCOUNT ( SEE ATTACHMENT )
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (TX)

I was financed a XXXX XXXX XXXX XXXX from American Credit acceptance in XXXX. I have been on time with my payments and never late. I only owe {$3900.00}. on the car. It was almost paid off. The car was impounded/I was not at fault. The impound company contacted American Credit Acceptance finance company and they made an agreement to action my car off. Now I don't have my car, my finance company gave another company permission to sell my car and my finance company still wants me to pay them for the car. They sold my car and committed fraud.
Consumer complaint received 2024-04-23
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)

Disputing Information in Credit Report I am writing to dispute the following information that your company has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX account # XXXX is inaccurate How can I open the same account on two different dates XXXX says XXXX on XX/XX/year> Experian says opened on XX/XX/year> Please delete this account. 
Also XXXX says there are XXXX late payments but Experian is reporting XXXX late payments. Please delete this account!! 

Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Consumer complaint received 2023-12-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

I bought this card a long while ago ( I don't remember the exact date, but it was like 2 months ago ) and it's just been sitting with a balance of XXXX $ and I haven't been able to use it it's been declined by every site/company I've tried to use it at and when i call customer service they just say it's always getting declined for my safety even though I've bought from other retailers with a different company 's sold prepaid card.
Consumer complaint received 2023-09-20
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. (HI)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (PA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX