davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital For Change, Inc. (CT)

I have reviewed my consumer reports and notice that I had two late payments on an account. That I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included in the screenshot inside of this complaint showing they have reported me being 120-149 days late. Please investigate and provide proof with statements showing that these late payments were late. If proof can not be provided I demand these payments be update to paid as agreed on time as they should be because I was never late. This account is also only reporting to XXXX  and not the other two credit reporting agencies, which also another inaccuracy as the information should be reported to each agency. Please see screenshot attached.
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (NM)

I began a mortgage application over the phone. Had to pay a {$40.00} fee to pull a credit report ( that was fine ), and then had to pay a {$500.00} fee that was misrepresented as being for the appraisal. I only paid {$250.00}. The payment web page said it was non-refundable contrary to the representatives claims. Also confusing was that it said something about a rate lock (? ). Only later was I shown the disclosure and loan application. After getting a chance to look over these documents that I was asked to " merely acknowledge '' but really was signing, did I see their outrageously high fees ( Ameri- '' XXXX ''? my XXXX! ). So I didn't sign the loan application. And I asked for the {$250.00} appraisal payment back. They aren't answering now.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (PA)

Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (NY)

I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2023-09-06
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. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-28
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

I called XXXX XXXX XXXX on XX/XX/XXXX about a collections from Enhanced Recovery Company. XXXX put out a fraud alert on my credit profile. I called ( ERC ) and they said the dont have an account for me in collections. The account was opened on XX/XX/XXXX XXXX  XXXX. I dont live in the city or state now or during the time of account opening. I then called XXXX XXXX the company issuing the collection. They also dont have an account with my name or anything issued by me. So no one has any account with my name in collection or accounts and its burdening my credit score.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help me.
Consumer complaint received 2020-08-24
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. (FL)

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX account # XXXX 5.  XXXX  XXXX account # XXXX
Consumer complaint received 2023-06-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

Experian decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX Experian included several closed accounts stating my credit utilization is 84 % and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as 4 %. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (IA)

Credit report is reporting account inaccurate. Stating inaccurate date of last activity date open, date last payment and missing data on date last verified and date closed. I have disputed account with all three bureaus asking that account gets verified or deleted because I do not recall having this debt with this creditor and account is not showing " account has started investigation or is under investigation '' in fact it shows account not disputed and that is false because I have disputed account. Over 30 days have passed and I have not heard back from bureaus in regards to account. Definitely feels like I am being ghosted. Account is not meeting law requirements with inaccurate and missing data.
Consumer complaint received 2023-09-06
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. (MI)

I recertified with the Department of Ed stating that I would be paying {$93.00} per month under the new SAVE plan. Aidvantage said I would be paying {$530.00}. I called them on XX/XX/XXXX and they agreed it was incorrect but told me to check back later. I received an ecorrespondence from them on XX/XX/XXXX saying it would be {$340.00}. I checked back on XXXX XXXXand they said it did not show that I recertified and selected the SAVE plan. They said I could do that through them. I did that and they stated I would be paying {$100.00} per month, which is {$9.00} more than the XXXX website said I would be paying. I asked for proof of this and they said it would show up on the website and through email. I saw neither of those and have not received confirmation yet. I also checked the Student Aid website and it previously said I was under the SAVE plan. I checked today and it switched me back to the REPAYE plan. I checked Aidvantage 's website again today and it said I would be paying {$260.00}, which is what I was paying under REPAYE before payments paused. I called and told them it was incorrect and they said it could take up to 15 days from when I previously called ( XX/XX/31 ) to show up properly. I asked for confirmation again about my certification for my $ 102 monthly payment under SAVE and was told I would receive it but still have not.
Consumer complaint received 2023-09-06
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. (LA)

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 2023-08-17
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. (CT)

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 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 2023-09-06
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. (LA)

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 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

My loans were transferred to Mohela since I'm part of the PSLF program. It takes FOUR HOURS in hold every time you call, at minimum, and you get untrained low level call vented employees who give you wrong and different information each time you call. They all give wrong info that contradicts each other and are having me pay the wrong amount and nobody knows how to correct it, nor do they understand the federal payment programs. You spend 4+ hours on hold each time and get totally different and wrong information from the last person. I can't get straight info and my payments affect my life in a huge way so I need correct info.
Consumer complaint received 2022-09-03
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. (IL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AZ)

As Great Lakes and Nelnet are " sister companies '' as I was told, you'd think they'd have all records and documentation of conversations, etc... 

It was explained to me that these previous conversations no longer exist, nor was it appropriately documented in my case file. Go after these companies that MESSED up for the past 20 years in regards to these things. I've been paying these loans back since 2003, but apparently I have 8 years left to pay? These are the issues that make people lose hope in every avenue of our country. I have pictures from the old Great Lakes website SHOWING when my payments were to resume and when the final payment was. If you had a record of what that site looked like, it is CLEAR AS DAY that it came from that particular URL. 

Hold these people responsible for their lackluster and willy-nilly attitudes for the past 20 years.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I did not received the XXXX XXXX XXXX. When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.