davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance 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 : DPT ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2017-03-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Chaplain Financial Services LLC (NM)

I keep getting calls from a XXXX at Chaplain Financial Services. Says I have committed fraud, but he ca n't tell me who the original creditor is. I have not received any mail from the creditor ( even though he says he has verified that I have received mail from them by contacting the Post Office ) He calls my work several times a day even though I have asked him not to. He has contacted my XXXX year old mother and my minor children several times a day. He tells them that I have committed fraud and that he is sending authorities to my place of business and home. I have called him and asked him several times to stop calling my work, and my family and to please send me any and all documentation of who and what I owe. I really have no idea who I could possibly owe. He also calls from several different phone # 's. The one he 's called from today is XXXX XXXX
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Navient Solutions, LLC. (FL)

There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong account ( s ). Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX    who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

With the recent notification from the Department of Education regarding XXXX interest pause ( https : XXXX ), I contacted my servicer ( Navient ), about my consolidated XXXX loan XXXX XX/XX/2021. They responded on XX/XX/XXXX with this response : " XXXX, Thank you for contacting us with your inquiry in regards to your student loan interest. I would be happy to help. 
Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX ( XXXX ) program. 
Only U.S. Department of Education ( ED ) owned student loans are eligible for this program. You have a XXXX XXXX loan which is owned by Navient and is not owned by ED, therefore is not eligible for the 0 % interest waiver provided by ED. This loan will continue to accrue interest at its current rate. 
If you? re having difficulty making payments due to COVID-19, give us a call at XXXX. You may be able to postpone your payments with a disaster forbearance or explore other programs to help lower or postpone your payments. 
If we may be of further assistance, please feel free to contact us at anytime. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX ref : XXXX : ref '' I don't agree with the statement, " Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. XXXX If it was under the XXXX program, how can it be taken out under the XXXX program? That doesn't make any sense and is not correct from what I have read from the government. 
Can someone help? What can be done to Navient? For other borrowers? 
I appreciate your time.
Consumer complaint received 2023-08-22
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)

I submitted a dispute to Experian on XX/XX/2023, challenging the accuracy of the information pertaining to the above-mentioned account. My dispute was based on the contention that the account information is not accurate and should be investigated further. 

Dispute Resolution Results : I received a response from Experian indicating that the account information has been verified as accurate by the company associated with the account. However, I find it concerning that despite their assertion of accuracy, Experian has failed to provide the verification documents that would substantiate the claim that the information is indeed accurate. 

Lack of Verification Documents : It is my right as a consumer under the FCRA to receive documentation that supports the verification process and confirms the accuracy of the disputed information. Without proper verification documents, I am left without the means to assess the validity of the company 's verification process or the accuracy of the account information in question.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I believe this is MCM Midland Credit. This happened today XX/XX/23. An amount was not included on the voicemail. 

Received a call on my work phone from a person stating name is XXXX XXXX XXXX XXXX XXXX. Stating he was going to my employer regarding this matter and would be coming to my job. I never gave this place my work number so Im not sure how they got it. I never give out my work number. Provided phone number XXXX. 

This is not a way to collect a payment by false representing the company and call a persons job that never gave the phone number. 

Im sure they are probably doing this to other clients.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

recently reviewed a credit report that is reporting unauthorized inquires that were not authorized by me as they are fraudulent I asked for them to be removed I called the credit reporting agency and they simply said they would not these inquired are negatively affecting my score the following are named and dated. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-22
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. (FL)

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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-01-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

This item is malicious. I report them before and they went away, now they are back. I am a veteran and seventy percent service connected XXXX ; I get free healthcare for life from the VA. I am also on XXXX  since I live in a rural area not serviced by the VA. My insurance information follows : XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone used my social security number to open a lease in " XXXX XXXX XXXX  '' located in XXXX XXXX, TX on XX/XX/2022. This is affecting my Equifax score under XXXX. The even bigger problem is that I have filed a dispute with Equifax 4 times and those 4 times they have been unable to remove this from my account. I have submitted evidence that I did not live in XXXX XXXX, Tx at the time the lease was opened and they still haven't been able to identify the suspect using my social. I have also filed an FTC report. You can imagine how I feel having someone else 's bad record affect MY credit report. This is an identity theft situation and I need help clearing this from my credit and also holding Equifax responsible for not being able to help me.
Consumer complaint received 2023-06-06
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)

I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Consumer complaint received 2023-08-22
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. (MS)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX 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 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.

This inaccuracy is stopping me for obtaining a good great score to purchase a reliable car for my kids and I. This inaccuracy is stopping me from starting a business in order to become financial free and be there for my kids and attend practices, games, and rehearsals. This inaccuracy is keeping me tied down and having to stay at a 9 to 5 catching a city bus because I am not able to get approve for anything to help my family and I get out the hole we are in.
Consumer complaint received 2023-08-22
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. (MI)

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-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 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours talking to both XXXX and XXXX  on XX/XX/XXXX, and filed an online complaint on the XXXX  website, without success. As of XXXX, XXXX, XXXX, XXXX  has not updated its reporting on XXXXXXXX XXXXXXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, Transunion has not updated its reporting on XXXX/XXXX   XXXX, as of XXXX, XXXX, XXXX.
Consumer complaint received 2022-11-26
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-06
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. (VA)

This is XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

Statebridge had agreed to a settlement verbally between my realtor the buyer and the loss mitigation agent. Now they are requesting 3times the amount they agreed to. My house is in jeopardy of getting foreclosed on. Statebridge Company has a horrible XXXX  rating and I have read through the complaints via the XXXX  website. They are pulling the same tactics with me now. 

They need to honor their word and commitment so my short sale can close. 

Now I am requesting a QWR RESPA TILA
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (AL)

Everyday I receive a phone call from Credit Control on my cell phone ( XXXX ) and on my work phone ( XXXX ). I have told them to stop calling me and mail me whatever it is they think I owe. They are beyond rude and although I have t old them to stop calling me, especially on my work phone, they keep calling. Every single day they call me. It is harassment.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

In the last week of XX/XX/2019 Sps Servicing XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX www.spservicing ) acknowledged and received documentation of my representation of legal counsel that my loan XXXX :XXXX XXXX XXXX XXXX NY XXXX was in que to be refinanced with XXXX  XXXX XXXX XXXX XXXX NY XXXX 
As of today XX/XX/XXXX they have not provided the documentation and as of Monday the didn't even have the documentation, I called the settlement agency company and forwarded it to them. Counsel has told me they are looking at 90 - 120 days to confirm this will costing me over 5000 in interest expenses if they even proceed.
Consumer complaint received 2023-08-22
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. (GA)

I am filling this complaint to TRANSUNION for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.