davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (TX)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2023-11-09
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. (NY)

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXXXXXX CHILD SUPPORT ENFORCEM XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-11-09
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. (OH)

I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. 
The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX ln XXXX, oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX # XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2023-11-09
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. (AL)

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit cardXXXX account under an open end consumer credit plan as late for XXXX and purpose. 

Account name : XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting 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: SANTANDER HOLDINGS USA, INC. (PA)

This is not a request for credit reporting, but TITLE errors and mismanagement of my Title providing XXXX as lien holder. 
I am writing to bring to your attention a matter of significant concern regarding the ineptness displayed by your team in processing my request for a corrected title. 
Despite numerous attempts and communications with various Chrysler Financial employees, I have encountered a series of frustrating obstacles in obtaining the corrected title required for my bank loan 's security interest and the addition of XXXX XXXX XXXX as the lienholder of record. Regrettably, these attempts have been met with repeated failures and delays, leaving me in a state of considerable inconvenience and dissatisfaction for over 2 years. 
The inability of Chrysler Financial to fulfill such a fundamental and necessary requirement reflects poorly on the company 's professionalism and competence. As a customer, I expect a higher standard of service, especially concerning matters as crucial as legal documentation associated with financial agreements. 
I urge you to investigate this matter promptly and take the necessary steps to rectify the situation without further delay. I expect nothing less than a prompt resolution and the issuance of the corrected title in accordance with the agreed-upon terms of our arrangement. 
Furthermore, I request clear and transparent communication regarding the steps being taken to address this issue and a reasonable timeframe for its resolution. I trust that you will prioritize this matter appropriately and ensure that such lapses in service do not occur in the future. 
Please consider this letter as formal notice of my dissatisfaction and a demand for immediate action. Failure to address this matter satisfactorily may compel me to explore alternative avenues to remedy the situation. 
I appreciate your prompt attention to this matter and look forward to a swift resolution XXXX XXXX to Present Chrysler Financial / Title / Executive Level Communications Team have been responsible for the delay in Title naming XXXX as lienholder. This has resulted in my auto loan interest rate increasing from XXXX % to XXXX %. An increase that XXXX did not send proper documentation to alert me of the increase until I noticed a {$20.00} difference in my monthly payments. 

XXXX - XXXX Title1 lost. Title 2 sent without proper signatures XXXX- Incorrect Title sent XXXX Significant delays in title with multiple promises of receipt made and no action taken
Consumer complaint received 2023-12-29
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. (IL)

Checking my inquires on my credit report I see a hard inquiry that I do not recognize from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' on XX/XX/2023. I didn't request for any auto loans, I need this removed as soon as possible.
Consumer complaint received 2023-11-08
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I paid for a portion ( {$800.00} ) of my family 's meal that was charged to my sister 's room at the Hilton XXXX on XX/XX/2023. However the next day an additional unauthorized charge of {$400.00} was made on XX/XX/XXXX. My flight departed XXXX on the XXXX and I did not authorize the {$400.00} charge.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

RE : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have a Hard Inquiry from company : XXXX  Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence, at All.From neither companies.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made full payment on this account but capital one is still reporting it to my credit as charged off. under 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). and in section 603 ( p ), 15 U.S.C. ss 1681b ( a ) ( 1 ) ( 2 ), 15 U.S.C. ss 1681a ( 2 ) ( A ) ( i ) 15 U.S.C. ss 1681a ( 2 ) ( B ) 15 U.S.C. ss 1681e ( b )
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08
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)

Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on my report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off.

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC (UT)

I have an account with Avid Acceptance. However, there are a few late payments on my account I hope Avid is willing to work with me on. During XXXX coming into XXXX I was in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  my wife was taking care of my accounts but she was also juggling a lot things. She did her best but there were times where her income alone could not pay all the bills or she forget through no fault of her own. I am at a point where I would like to get things back on track and understand my contractual obligations and ask that Avid please take my situation into consideration.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

My servicer is MOHELA. As of XX/XX/XXXX, I had my last remaining payment to qualify for PSLF. Prior to this, I submitted an employer verification form, believing it would be helpful to expedite the process. I updated all information leading up to my payment being due XX/XX/XXXX for automatic withdrawal. However, the payment did not go through. When I logged in, I saw that I was placed on Forbearance -- one I did not ask for. This happened at a previous time in XXXX as well, when I was placed in a forbearance despite not asking for it. I called MOHELA, and they said the issue would be resolved within 5 days. It was not. I called again, and it was iterated again it would be resolved within 5 days. It was not. I called again as it was nearing the end of the month and I wanted to make a payment. I was told it would be resolved by the final day so I could make a payment. It was not. I called on XX/XX/XXXX, and spoke to a supervisor. She indicated that she agreed with my assessment that I was being punished for a mistake by MOHELA, but I would not be able to make the payment. She said she would move it to her supervisors and it would be resolved by week 's end. Today, XXXX, my payment should have gone through for automatic withdraw. It again was not withdrawn, and I saw I was on forbearance, and that the forbearance was extended another 30 days. 

I did send a written request as well on XX/XX/XXXX regarding this issue, beyond the phone calls. I explained the situation and request that I be taken off of forbearance. Literally minutes ago from writing this, on XXXX, I received a message saying " Our records indicate that you had called in and spoken to XXXX of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. '' Despite there being a CLEAR indication that I am still in forbearance and that this hasn't been resolved. Again, MOHELA has shown incompetence, the inability to read or to do any investigation or digging, or to seek to help their customers. Despite now having contact with them 6 times in the last month, I've been either treated as a number and money, told different information, or deceptively promised this would be resolved. It has not been resolved. 

At no point in time did I request his forbearance. I have actively tried to resolve this issue and actually BEGGED to make my payment. I continue to be told different information by each individual I speak with, and then promised it will be resolved. And every time I continue to be punished for a lack of competency, timeliness, or attention. It is beyond frustrating that I was already place on a forbearance and not allowed to pay and then punished twice, but now this is a THIRD instance. 

I also requested to make a payment so it would count as my XXXX payment, but I was told multiple times I could not make a payment and that it would not count toward my public service loan forgiveness.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Trans Union, XXXX, and XXXX, There is information that on my consumer report that is inaccurate. I am requesting that the reporting of this information be deleted. Under 15 U.S. Code 1681 e ( B ) and 15 U.S. Code 1681 I ( 5 ). These accounts are in violation of not reporting 100 percent accurate. Please see attached credit report with items highlighted. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block deep transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice I look forward to your response. 

Thank You
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

According to the Fair Credit Reporting Act : The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. these liberties have not been afforded to me. I must be told if information in your file has been used against you. I have not been informed accordingly as well credit reporting agencies must correct or delete inaccuracies, incomplete, or unverifiable information. Also it states consumer reporting agencies can not report outdated negative information.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

I had a modification in place and was paying forced insurance and when I added my own it did not subtract the forced insurance amount from my monthly bill and now that the modification is at an end they raised my mortgage from XXXX to XXXX and I just got a letter saying it is going up to XXXX a month starting in XXXX my taxes and insurance is included in payment and always has been so I don't understand why it keeps going up
Consumer complaint received 2023-11-08
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. (CA)

I did not authorize this hard inquiry from XXXX XXXX XXXX  and would like it removed from all of my consumer reports immediately 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-06
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. (GA)

XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, Equifax and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2023-08-03
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: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX I tried disputing these XXXX debts with XXXX and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from LVNV with the account numbers that are reporting on credit report. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.