davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED / 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-07
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. (MD)

I discovered that the information in my credit report is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account is 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 correct XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

The Department of Education, through multiple servicers has added arbitrary debt to my loan on multiple occasions, some as long as ten years after I had already left school. 
They are adding thousands of dollars at a time to my debt load without explanation and have done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Before these dates all records are missing. 
They have no records of the payments that I have made since XXXX. 
They keep adding to this debt and every time I try to submit a complaint with the Ombudsman, the Department of Education sends the complaint to the exact same individual working for my current servicer who continues to issue the same nonsense response every time. 
They say that I owe them tens of thousands of dollars, even though I have an approved application through Borrower 's Defense under Sweet V Cardona. 
They tell me that they have sent me multiple checks that I have never received. 
They say that I now owe for these checks. 
I am on an IDR plan with {$0.00} dollar payments, and have been paying since XXXX, over 20 years on an XXXX degree, but for some reason the debt remains and grows. 
I don't know what to do.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN  XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX   XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.
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: HYUNDAI CAPITAL AMERICA (GA)

Reporting late payments on a loan that's not technically mine. 
According to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it 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 account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-26
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: CITIBANK, N.A. (CA)

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-31
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. (GA)

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  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 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2023-09-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland credit management sold my XXXX  XXXX debt to another company after I submitted the complaint with you just recieved the letter in the mail saying they sold the debt which I was disputing because they knew they lied and couldn't prove I owe this debt it should never been sold just deleted through all 3 credit bureau
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this email finds you well. I am writing to bring to your attention an issue regarding the accuracy of my credit report. Upon reviewing my credit report, I noticed that there are discrepancies related to the opening dates of certain accounts. 

Specifically, the opening date of one of my accounts appears to be inaccurately recorded. This discrepancy is concerning as it may affect my creditworthiness and financial standing.

I kindly request that you investigate this matter and take the necessary steps to correct the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (GA)

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-12-04
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. (NC)

I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc. (GA)

Carmax Account # XXXX The carmax account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (GA)

I secured a XXXX XXXX XXXX XXXX credit card and it transferred {$2200.00} over to PayPal Credit, Synchrony Bank. This was to occur a few weeks ago. 

The loan is still showing the same amount, costing me money. 
Can you please contact them and ask them to find out why they have not applied the payment? 

XXXX XXXX XXXX XXXX making the payment to PayPal Credit is XXXX XXXX XXXX XXXX XXXX  expiration XXXX XXXX Pay Pal Credit statement show account blocked out it is XXXX
Consumer complaint received 2023-12-04
Product: Credit card — Store credit 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: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian regarding their failure to update my personal information on my credit report. The outdated information pertains to my previous addresses, which are still listed on my credit report despite my efforts to have them corrected. I have sent certified mail to the agencies to address this matter back in XX/XX/2023 and they have fail to update my report. 

By reporting these inaccuracies they are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

Our previous apartment complex was negligent in repairs to our unit, and under the Texas tenant laws we were able to move out without any penalties due to the unit being uninhabitable. We reported this to XXXX XXXX XXXX, the apartment complex, their parent company, and we pursued legal action against them. They charged us XXXX, and after further calls, and follow ups we havent heard anything back or received any solutions. They then put it onto our credit making it impossible to rent a new apartment.
Consumer complaint received 2023-09-23
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 2023-08-07
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-12-04
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. (MI)

We were going to change our Social Security deposits to an existing account which we haven't used much. Because of their rules to have a debit or credit card we chose credit card. When trying to get the card, our PIN numbers for our security freeze did not work. We then submitted our credit information to be sent to our mailing address. 
I typed in the information into their computer and when we got the written information to our XXXX XXXX XXXX the name came back as XXXX XXXX and it told him they had no credit information on him. We requested checks to be sent to the credit union on XXXX XXXX XXXX in XXXX, XXXX. XXXX since that is the branch near us and with whom we were working. When I checked on the whereabouts of the checks XXXX told me they were sent to our home address. I specifically requested they go to the credit union. 
We never did get our credit reports to be sent to po box and they never arrived. While we were there working updating the account, XXXX, the manager walked in and disappeared. Another young man was in one of the cubicles on his computer. 
I think there is a problem with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. The first day we opened the account a couple of years ago, our mail was dumped all over our front lawn, which resulted in the use of a XXXX XXXX XXXX in XXXX, XXXX. XXXX. We immediately canceled the account at the main XXXX office on XXXX XXXX, but I doubt the person closing it. did much about it. He seemed rather indifferent to the complaint. 
We rented a condo in XXXX XXXX XXXX  from some people by the name of XXXX and XXXX XXXX XXXX XXXX XXXX who live on XXXX in XXXX, XXXX  XXXX. Our lives have not been the same since.
Consumer complaint received 2024-01-02
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)

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 Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.