davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (WA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to mak
e a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2024-06-27
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: LEXISNEXIS (CA)

LexisNexis stated they verified a bankruptcy filing with Pacer records which are public filings even with this argument they have no firsthand knowledge of any such filing which is the requirement of color of law. I am not asking where they got the information but are they lawfully able to verify any such information without actually being a party to any such legal proceedings. This is a yes or no. The bankruptcy court states they do not release any information and violating my constitutional rights to privacy means I am legally able to sue. LexisNexis needs to turn over their verification method they used to lawfully verify this information or else I will proceed with a lawsuit.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (WV)

I moved out of XXXX XXXX XXXX XXXX 2021 due to extreme mental abuse and negligence from my roommate and XXXX XXXX. They were negligent in enforcing multiple lease rules that my roommate was blatantly breaking, and in turn made continuing to live there, impossible. Now the debt collector, Hunter Warfield, has been harassing me by phone and letters in the mail ever since, for the remaining rent debt of {$5300.00} that I absolutely refuse to pay. They have threatened to sue me and put me in XXXX if I do not pay.
Consumer complaint received 2023-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I received a credit monitoring alert that there was an inquiry to my XXXX  Credit Report from a company called PenFed Credit Union. I noticed other similar inquiries on the same day from other entities. I feared I had become the victim of identity theft, and in fact that is exactly what happened. I had several home loan and personal loan type applications made in my name across several companies. 

I called PenFed on XX/XX/XXXX to inquire about the inquiry, and they had no record of it. The rep I spoke to was in the Home Loan department, and indicated it might have been another type of loan, but those departments would not be open until Monday. 

On XX/XX/XXXX I put a fraud alert out on my credit report, I also froze my credit reports, because I feared the inquiries would not stop unless I took this action immediately. 

On XX/XX/XXXX I called PenFed again and spoke to the personal loan department, and the credit card departments. Neither of these departments had any indication that I had applied for a loan with their company. I asked to speak to the fraud department, and I was told they were internal only and that they do not speak to customers. 

Later that week, maybe XX/XX/XXXX, I called again to follow up. Thinking maybe it would take some time to get into their system, but again the rep had no records indicating I had applied for any financial product at PenFed. I worked on the phone with the rep for over an hour creating a report for him to send to the Fraud department, who was supposed to get back to me within 2 weeks. They never reached out.

Meanwhile, since they had no record, I figured disputing the inquiry at XXXX  would be no issue, as they clearly wouldn't be able to validate the inquiry. My disputes to XXXX  on XXXX, XXXX, and XX/XX/XXXX were all denied saying they had validated the information with the lender and that it was a legitimate inquiry for a loan. 

On XX/XX/XXXX I received a letter from PenFed indicating that they have denied my ( fraudulent ) Personal Loan Application. However, they are obviously still treating it as a legit loan application and not as fraud as they have been alerted to on numerous occasions.
Consumer complaint received 2023-10-10
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been experiencing several safety issues with my vehicle for months. To start, there have been numerous occasions when I couldn't enter my car because the working, which c key fob wasn't creating a safety risk. At times, the vehicle wouldn't start despite knowing it had at least 80 % of its battery, but it was showing 0 % charge on the battery indicator, leading to delays in driving away. Occasionally, when trying to put the car into reverse, it would go into park instead, causing a dangerous situation. Furthermore, the car would unexpectedly shift into park while stopped at intersections or when moving around in the driver 's seat. I have raised these concerns with the company, XXXX, including submitting videos and emails, but they have now filed for bankruptcy. This has been going on for at least 6 months. I bought the car, brand new, in 2023. The car is unreliable, and I feel unsafe driving it for long distances due to fear of the 12v battery dying. Despite having a warranty, the company has no technicians to fix the issues.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (AZ)

XXXX/XXXX  is reporting incorrectly to XXXX  ; Experian and XXXX a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Evesham Mortgage, LLC (NJ)

Hello, My complaint is in regards to scare tactics from a loan officer at Evesham Mortgage ( XXXX XXXX ). I recently closed on my XXXX XXXX Homestyle loan on XX/XX/2018. The day my wife and I closed, we were informed by the title agency that it was sold to XXXX XXXX XXXX. Since the construction has been completed XX/XX/XXXX and my first payment was made XX/XX/XXXX, I decided to refinance to a lower rate. My current rate on my Homestyle loan was a 5.25 % and I was offered a 4.75 % from another company. On XXXX, the original loan officer from Evesham Mortgage, XXXX XXXX, called me stating that XXXX XXXX  called them saying I requested a payoff statement, and to do him a favor and hold off with my refinance because the new mortgage company ( XXXX XXXX  ) was coming to them for money because they have not recouped their cost from buying the loan from Evesham Mortgage. XXXX went on to tell me that he had previously told me I was not allowed not refinance for 6 months ( 6 payments ) after I had originally closed which was not the case. He then went on to tell me that my refinance would not go through anyway because of this 6 month timeframe, and because the final draw on my construction escrow account has not been paid out ( which it should have been completed but his HUD Consultant lost paperwork back on XX/XX/XXXX when the final inspection was completed ). As far as Im aware, and according to XXXX XXXX guidelines, if there is a benefit to the consumer you can refinance after one payment with a XXXX XXXX loan by doing a Rate and Term Refinance. I do not appreciate a mortgage professional calling me to do him a favor and stop my refinance because it would cost his company money, and attempting to apply scare tactics on me. It deeply saddens me that he is allowed to call me and try to persuade me to not do a refinance that will ultimately save me, the consumer, money by applying scare tactics. It also makes me upset that he and his company are allowed to sell loans without having the consumers best interest in mind, and making attempts to scare them from doing something that will benefit them. I have also heard that a reason why he is so concerned about my new refinance was because his commission was in jeopardy if I refinance before the six month period. Mind you my loan is no longer with his company anymore. Which is why this is even more concerning, because how many times has this happened to others that have done business with this company. I do not want to be harassed by this lender and loan officer which is what seems to have begun.
Consumer complaint received 2023-10-10
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX.as of today, I have made on time payments to XXXX  and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with Experian and XXXX XXXX, but XXXX still reports wrong amount and late payments.
Consumer complaint received 2023-04-18
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. (NY)

I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group (OH)

I received several harassing phone calls as have my family and my employer. I contacted them to ascertain and ask for actual information to be sent via mail to my home to be sure the charge/debt is legitimate. They became hostile and refused to provide any information and about the actual debt owed. They then started to call and harass both my siblings along with calling me at work and calling my past employer.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My loans were previously serviced by Nelnet and then sold to XXXX. My employer made a payment on my behalf to Nelnet after my account was transferred to XXXX. Nelnet cashed the check and it was never applied to my account. I called more than 5 times over the past 6 months and they keep saying they will provide a check to XXXX on my behalf for the amount but this has not been done nor has proof been provided that it was done. They have kept funds that were to be applied to my loans this causing me to accrue months of interest.
Consumer complaint received 2023-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXX to XXXX XXXX witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.