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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX, I signed a Loan Modification Agreement and Partial Claim Deed of Trust with Dovenmuehle Mortgage. ( see attached documents ) Dovenmuehle never processed the loan modification in their system. I have been calling loss mitigation for over two years and they would say they are behind in processing. I have been making payments since XX/XX/XXXX. During covid I did miss some payment due to unemployment but, payments have been made. Dovenmuehle Mortgage said I did not make any payments XX/XX/XXXX to XXXX XXXX also XX/XX/XXXX to XX/XX/XXXX, so therefore they are not going to process the Loan Modification Agreement and Partial Claim Deed of Trust. ( Attached are statements from Dovenmuehle Morgage showing transaction where payment was paid during those time period ). Dovenmuehle never XXXX the loan out to start in compliance with the Loan Modification Agreement. ( Attached are statements dating from XX/XX/XXXX to XX/XX/XXXX ) showing the pass due amount continue to get larger and larger. They now say that I owe {$57000.00}. All payments made were going to unapplied. I had over {$51000.00} in unapplied funds as of XX/XX/XXXX. Dovenmuehle applied {$910000.00} to fees. This is unfair and deceptive trade practices. How can they not book the loan modification per the agreement that has been signed and recorded at the county clerk office? I do not owe Dovenmuehle mortgage {$57000.00}. Dovenmuehle is trying to cover their self 's because they never processed the Loan modification agreement in their loan system in XX/XX/XXXX and now, they want us to pay for their mistake. They are probably doing the same thing to other customers.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I am writing to express my deep dissatisfaction and frustration with the handling of my Public Service Loan Forgiveness ( PSLF ) application and loan consolidation process. 

On XX/XX/, I submitted my application for PSLF with the understanding that my loans would be consolidated and transferred to MOHELA, as indicated in your communication. Regrettably, the promises made have not been fulfilled. Despite multiple requests for the transfer, my loans remained with the original servicer. 

Furthermore, it has come to my attention that my servicer failed to correctly account for all my payment credits that should have been included while my loans were in forbearance. This oversight significantly impacts my eligibility for loan forgiveness. Additionally, the COVID forbearance payments, which should have been counted, were not properly applied to my account. These payments, when correctly accounted for, would bring my total payment credits well above the required threshold of XXXX payments for loan forgiveness. 

I believe that my PSLF application and loan consolidation process have not been handled with the due diligence and care they deserve. The failure to correctly consolidate my loans and properly account for payment credits has put my financial future and my pursuit of loan forgiveness at risk.
Consumer complaint received 2024-01-31
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-11-09
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. (MD)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''
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: Open Dealer Exchange, LLC (MD)

In accordance with the fair credit reporting act. The following Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (VA)

Employee told me, the customer, that the store card came with a no-interest, promotional financing plan when, in fact, the plan charged monthly financing fees. I eventually found out about the applications only after receiving a card. 
Im aware that XXXX XXXX was slapped with {$11.00} XXXX penalty for shady store card practices back in XXXX. They are doing the same thing now.
Consumer complaint received 2023-11-09
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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 XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: DriveTime (TX)

Loan approved when I submitted social security number and they verified my income. Terms were {$0.00} down and approximately {$400.00} per month.

Mid deal bank asked for {$800.00} down because I only had my paper Drivers license. I renewed my license yesterday.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2024 A dispute was submitted On XX/XX/2024 the dispute was received but I never received a " prompt notice '' via mail per my request that the account under dispute was received and description of reinvestigation via mail no later than the 5th business day after receiving my dispute request the following FCRA violations have occurred and I am demanding deletion of accounts under dispute for failure to comply with dispute procedures, nor was I given any results to any completed reinvestigation decision failure to send prompt notice within the 5th day of receiving dispute notice 15 U.S Code1681i ( 2 ) ( A ) prompt notice of dispute failed to provide me of description of determination completed results within the 5 business day period after the completion of reinvestigation via mail per my request 15 U.S Code 1681i ( 6 ) ( 7 )
Consumer complaint received 2023-11-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bayview Solutions LLC (TX)

XXXX I called my XXXX XXXX XXXX and was notified that a third group named Bayou View Solution has purchased my debt phone number XXXX. I had been contacting the older creditor XXXXXXXX XXXX XXXX for several months to update a wrong balance. I recently talked to them. In my past i put in a disputes for records. These peole are targeting covid victims. 
XXXX I received a no caller ID call someone with the incorrect address claiming to serve me but provided me with the law firm contact XXXX. I called and was placed on a 10 minute hold. He said I was being sued for {$16000.00}. I was in shock knowing my consumer report I first thought it was fraud and Identity Theft. He then came back and said that he was wrong and it was the amount of {$6000.00} same incorrect balance as XXXX XXXX reported same debt which I had mentioned they sold to this group making threats in the middle of the afternoon while I am at work. The male was rude and did not provide me with his name nor allowed me to speak. He then hung up on me. Twice I called back 3 times. To file a complaint. He said let 's talk in court with the papers, I said this is a recorded line and I am asking his name and details about my account. He then said he wants to file a cease and desist. This was an alarm to me and this tactic is not fair. He also said this company had been looking for me but they could not reach me so they are now trying to serve me. He hung up and blocked my number as I asked for account information. I could not contact him after XXXX because my phone was blocked. My concerns are with Bayview Soul Solutions. I never heard of this company. I have my credit report and credova has the debt. I had contact with them several times. To dispute the balance .They removed the number of experian in XXXX I have my credit report with the claim. Please have this company delete this balance. Using scare tactics to harm innocent bystanders in a natural disaster. He does not have details on the balance. This is not accurate to the agreed amount. During covid 19 after devastation bills were not paid on time. They then manipulated the contract digitally. I had not been aware of any disclaimers in my contract. This was a simple loan for {$2400.00} I paid {$500.00} deposit. Then made a monthly payment of {$240.00}. If they will not provide the information in the original purchase history this contract is not valid. If I need my attorney will be present in any of my decisions.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IL)

maximus education / aidvantage is a garbage company, they refuse to switch my repayment place despite multiple attempts, each time you call them it takes over an hour to get someone on the line and then they are incompetent, give you wrong repayment information and do nothing with your requests, this company is basically a scam and there is a high likelihood they will mishandle your student loan because they are severely understaffed an not equipped to deal with borrowers
Consumer complaint received 2023-11-09
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. (OH)

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Consumer complaint received 2024-03-24
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. (KY)

Experian, Account Name : Child Support Nebraska Account Number : XXXX Date : XX/XX/2024 Delete immediately in current litigation for Fraud. I rescind and revoke any and all authorization signatures previously given to Child Support Nebraska to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Experian and Child Support Nebraska for fraud and misrepresentation for this account. Internal Regulations and Business as Usual do not qualify as substantive legal defenses. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for Thank you, XXXX XXXX XXXX Authorized Representative
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : **** ) Has violated my rights
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I attempted to purchase a household rug from a small company named " XXXX XXXX '' in XXXX of 2023. 

I made the purchase, totaling {$2500.00}, over the phone. 

This company did not send the correct item. 

I sent the item back, and disputed the transaction with American Express after the merchant refused to refund the purchase. 

American Express has sided with the merchant, but the merchant furnished falsified documents. Basically, I was scammed by this company, " XXXX XXXX, '' and American Express has decided to believe their story, and resolve this dispute in their favor, despite my overwhelming evidence that I did not receive the correct merchandise. 

I have re-opened this dispute TWICE, and American Express has both times resolved it in favor of the merchant for reasons I can not believe. 

I was even told by American Express, to return what to received, and provide the tracking/delivery proof, WHICH I DID, and this will be resolved in your favor, and it was STILL resolved in favor of the merchant.
Consumer complaint received 2018-11-13
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. (WA)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (GA)

Resurgent Debt Collection and XXXX XXXX credit card-is reporting the same debt that was filed in bankruptcy and it was discharged. They are reporting that the debt is owed. They are reporting the same amount as well as the original creditor on my credit report. I am getting hit with a double negative because both are reporting the same debt. 

When I disputed the debts on my credit reports, all have updated the information as correct when it is incorrect and not valid.
Consumer complaint received 2023-11-09
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX