davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

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 Federal Law overrides any company policy. 


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. 

I have attached a copy of my Experian credit report. For XXXX. Per Experian my XXXX XXXX XXXX XXXX payments were on time however my XXXX payment is reported as 90 days late. This is inaccurate information. If the months before and after XXXX are reported as on time, it would not be accurate or possible for XXXX to be considered reported 90 days late.
Consumer complaint received 2023-12-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kenneth, Eisen & Associates, LTD. (AZ)

I was paid up to date three out of six months @ my XXXX XXXX  apartment complex when I received a notice stating I had several days to leave because a tenant witnessed/stated they saw me not pick up after my dog. 
I left by the date they asked me to leave during the height of the Covid pandemic in AZ. These allegations were made falsely against me, and I agreed to leave despite disagreeing with the information. I was paid up to date and should not be responsible for {$3000.00} debt collection because theres no proof I broke the breach of contract in this apartment complex as their just trying to kick me out and get someone else in and to make more money off the both of us.
Consumer complaint received 2024-03-26
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (TX)

There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Consumer complaint received 2023-12-25
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. (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.

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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX  has been reporting an inaccurate balance. I contacted the company to correct this issue but nothing was fixed. The account status is also reporting inaccurate, as the account is closed. Also, the company is charging me a late fee and the account is closed. That must be violation of the law and illegal.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Why did XXXX XXXX after selling my debt to XXXX   kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX XXXX.? 

Why? 
When? 
Who?
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC. (CA)

Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from Equifax and XXXX on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XX/XX/23. On XX/XX/23 I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XX/XX/23. I called back today XX/XX/23 to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past 3 or 4 months trying to correct this. The supervisor at Equifax was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by Equifax and XXXX.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation (KY)

Conatcted XXXX XXXX, covington credit and disputed witb XXXX so covington credit got one loan started paying back lost contact it went into collections i got a letter a year ago stating that it was no longer owed i was given a good will forgivenss and its no longer there well on credit report it still shows and now it says i owe it twice when i only did once and it was forgiven!!! Then XXXX XXXX says i got a loan in XXXX of 2022 in north carolina i libe in ky conatcted them they tried to say its legit i kmow its identity theft for i have never eveb traveled to north carolina same disputed with XXXX and once again NOTHING THIS IS DAMAGING MY CREDIT and idk what to do please help me!!!!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

In the past year, I have written multiple letters to Equifax Information Services LLC and XXXX Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent Equifax and XXXX my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, Equifax have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that Equifax and XXXX have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Equifax and XXXX should be penalized for not following FCRA laws. Also, including that my personal information was impacted by Equifax XXXX XXXX back in 2017. Equifax and XXXX have failed me as a consumer.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (VA)

I never receive any notice of this bill the collection left a message on XXXX XXXX I call them back as how much to settle I was told XXXX and I said I do not get paid until Friday the XX/XX/XXXX and I call on that day and paid the settlement of XXXX so if they took my money on XXXX XXXX so after almost a year later on XXXX XXXX they reported this to all credit reports as a collection on XXXX XXXX I would like for this to be removed for reporting false information file number XXXX need to investigated
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (TX)

Despite my written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. These are the following accounts need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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. (FL)

As I'm going through my credit report i notice a lot of unauthorize hard and soft inquires on my report which have been affecting my life for the last XXXX  years I've been a victim of identity theft in XXXX  back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  inquires XXXX  Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

On XX/XX/23 I received notification from MOHELA that I was on the SAVE plan. This is great because I was on IDR before and on PSLF track since I work for the state. For the consolidated loan my bill was {$0.00}. However, there was only one loan listed on there. I asked them what about the others because I have more than one loan on the account but the total due said something around {$210.00}. I received a notification back to give them a call to discuss this after asking this. I tried. I am unable to get through on the phone. 
On XX/XX/23 I emailed again because I am unable to get through on the phone. I was on the SAVE plan and then suddenly without warning I am on the LEVEL plan and my bill triples! I have now tried contacting them multiple times via phone and email. Both go unanswered. I have sent additional emails on XX/XX/XXXX and XX/XX/XXXX and still have yet to receive a response. I recently resubmitted my IDR documents on the XXXX website since they took me out of SAVE and still my payment is showing double what it was and I can't seem to get anyone on the phone or to answer the emails to find out what's going on. I am not going to be able to make the payment they are requesting and I can't even get in touch with anyone about that. They have no problem sending me a bill and changing things on me without warning but they are not able to answer? I am so frustrated with this whole process. It's bad enough they won't count half my time as a public service worker for the state towards my PSLF progress, to have these troubles on top of it is just absolutely ridiculous! I need help please.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

Since XXXX of 2023 I have been sending Caine and Weiner letters to validate the debt they say I owe to them. They have not provided me anything that validates the debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct.

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6 ) The purchase agreement.

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt.

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct.

9 ) Master Bill of Sale.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC. (MD)

My complaint with SPS is the lack of communication with the HAF Program regarding our approval. I spoke with XXXX from HAF in XXXX of XXXX to inform us that we were awarded the grant and loan totaling $ XXXX. In order for the process to begin I had to provide a statement in their message portal to agree to the terms. XXXX informed me that a request of documents was sent to SPS to complete and send back. I received a call from XXXX, a Rep from XXXX, a home counseling agency, checking on the status and I informed her. I just so happened to review the message board of HAF and saw that we had been denied because the funds had been exhausted due to the no response from SPS. I immediately called HAF and SPS only to get nowhere. I spoke with XXXX from SPS Ombudsman Department, and she informed me that she is aware that HAF has had technical issues sending request thru the portal and this could have happened again but this was early in the year. She has escalated my issue to management to see a better outcome. I am left feeling perplexed because I was told everything is fine just waiting on the documents from SPS. I spoke with XXXX from SPS Ombudsman office today and sent an urgent request to the investor to see about a workout plan due to this mishap. I had a sale date of XX/XX/XXXX and feeling very uneasy and filled with anxiety due to the unknown. As I ponder on this entire situation, I feel like I was not put into the best situation. After initially filing for bankruptcy, in XXXX, they did not accept our payment. That is when our attorney told us about the HAF program. All this time the payments are building up. This XXXX of XXXX, the HAF program tried to contact the servicer and waited on documents i know for over 10 weeks. Only for me to start the process all over again. This is when we got the approval for both the grant and loan. All of my coversations with each Rep was recorded by the service and XXXX. I received the most insensitive rude and not willing to do his job employee ever from the Servicer. So much so, my Rep from XXXX got into it with him. I was so great that it was captured and I had a witness. As a matter of fact, I was encouraged to seek counsel regarding this issue from several professionals.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (CA)

I am writing to file a formal complaint against National Credit Adjusters , LLC ( NCA ) for their failure to respond and address their serious violations despite multiple attempts at resolution. 

On XX/XX/XXXX, I notified NCA of multiple violations of consumer protection laws ; unlawfully obtaining and sharing my personally identifiable financial information, constituting identity theft under Federal and California state law ( Cal Pen Code 530.5 ), with suspicions of extortion for debt collection ( potentially violating 18 USC 894 ). Furthermore, NCA breached consumer protection laws, including 12 CFR 1022.3 ( h ) and 15 USC 1681b ( a ) ( 2 ), by sharing my data without consent, violating the Fair Credit Reporting Act. Despite this, NCA failed to acknowledge or respond to my concerns.

In my follow-up email to the CEO, CFO & General Counsel on XX/XX/XXXX, I reiterated the violations and extended a settlement opportunity to resolve the matter swiftly and amicably. I also highlighted NCA 's previous violations and subsequent settlement with the CFPB in XXXX for similar violations, indicating a pattern of deceptive business practices. Despite these reminders, NCA has remained non-responsive. 

The lack of response from NCA is concerning and demonstrates a disregard for consumer rights and legal obligations. As a result, I am left with no choice but to escalate this matter to the CFPB for assistance in resolving these violations. 

I urge the CFPB to investigate this matter promptly and take appropriate action to hold NCA accountable for their actions. Furthermore, I request your assistance in ensuring that NCA complies with consumer protection laws and remedies any harm caused by their violations. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these serious violations and protect consumer rights.
Consumer complaint received 2023-12-01
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. (PA)

Experian is currently reporting adverse information on my consumer credit report.in the form of two bankruptcies During the month of XX/XX/XXXX I disputed the accuracy of the information contained in my credit report with Experian, furthermore I provided a letter from the clerk of court stating that the court does not report to credit reporting agencies. 
In spite of the letter from the court. Experian claimed to verify the information. 
During the month of XX/XX/XXXX, I requested a reinvestigation of the accuracy of information, and included the same letter from the clerk of court. 
I also requested from Experian their source of information. Experian never responded to my request and continues to violate the privacy act of 1974 5 U.S.C. 552a ( b ) by disclosing records pertaining to the consumer to any person, or to another agency, without the written request or prior written consent of the consumer In addition Experian continues to violate 15 U.S. Code 1681 ( b ), by furnishing a consumer report without my written instructions Experian 's reporting is inconsistent with the other reporting agencies and inaccurate, which is a violation of 15 U.S. Code 1681 ( a ),