davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from XXXX, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NY)

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 2024-03-13
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. (NY)

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 accounts, 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 delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TN)

In XX/XX/XXXX I purchased a XXXX dishwasher and the light on the door was not working correctly so I called XXXX and they sent a tech out on XX/XX/XXXX. The tech said there would be no charge since it was still under warranty. I started getting a bill in XXXX from XXXX XXXX XXXX XXXX XXXX  that I owed {$170.00} from XX/XX/XXXX for a repair charge and if I didn't pay it would be turned over to a collection agency. I tried to call XXXX XXXX XXXX but it was automated for you to pay the bill with the reference number and no way to talk to anyone. I knew this was not right and it sounded like a scam. Today I get a bill where it was turned over to a debt collection agency : Receivable Management Services LLC. XXXX. I first called XXXX and they looked my account up and saw the tech was out XX/XX/XXXX and they paid XXXX XXXX  XXXX in XXXX and I did not owe anything and for me to call this debt agency and tell them. I did call them and told them they didn't even have the correct date for the service call and it was under warranty, then the girl said that was the charge to send the truck out and I explained to her that XXXX had already paid the bill and I didn't owe anything nor was I paying anything to them. I tried to go to the site on this bill : XXXX, but it is not legit just like the first phone number I had called back in XXXX when I got a bill from XXXX XXXX XXXX XXXX XXXX This is a scam and they are not legit. Someone needs to stop them and also let XXXX know what is going on with their customers.
Consumer complaint received 2023-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, There was a Bank of America hard inquiry reported to XXXX XXXX that I dont recognize! This was unauthorized by me and I dont recognize it. I need this inquiry removed!
Consumer complaint received 2017-04-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.
Consumer complaint received 2022-10-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-10-06
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. (FL)

n 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 XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ) XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX XXXX ( HARD INQUIRY ), XXXX XXXX XXXX ( HARD INQUIRY ), XXXX ( HARD INQUIRY ), 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.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is  was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. 

Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. 

Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. 

On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. 

All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I dont know how someone got my information. I know I lost my social security card maybe a year ago and had to get a new one but Im seeing hard inquiries and collection accounts thats not me. Ive worked hard for my credit so I need this to be removed!!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-10-19
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX last report XX/XX/year> for {$1300.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-19
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)

Consumer Name : XXXX XXXX - XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-06
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. (NJ)

For the past XXXX years, I have been trying to get information on this debt that allegedly is mine. I have never been provided a copy of any contract bearing my signature nor information showing me that this information is mine. 
The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX Address : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I've been trying to contact Nelnet since receiving my first statement. I have a payment due on XX/XX/11, and I need to inquire about an extension on a deferment or forbearance due to financial hardship. I've scoured my online account on Nelnet 's website, and I found information on requesting a short term forbearance ( XXXXXXXX XXXX XXXX but I can not find any information regarding requesting a longer deferment or forbearance ( I need a deferment or forbearance for about another year ). Since receiving my statement, I've tried, several times, to contact Nelnet by phone. When calling Nelnet, they indicate that wait times currently exceed XXXX minutes. After dealing with the automated system for XXXX minutes, the automated system says I will be connected to an agent in ... minutes ( the automated system doesn't give a number before minutes so no actual timeframe ). On each occasion when I attempted to contact Nelnet, I patiently wait on hold, and, without ever speaking with an agent, the call disconnects after a little over an hour on hold. This has happened every single time I try to contact Nelnet by phone.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

This company is charging me and have a collection on my credit report when Ive paid the debt and do not owe anything. When I left the apartment I have pictures of the condition it was clean and I also have live videos and the movers as witness. I also have old work orders that were never taking care of which they are trying to charge me for issues that were already going on when I moved in. I will take this company to court and sue because I do not owe any debt at all.. I paid the debt that was owed and I will sue ...
Consumer complaint received 2024-03-13
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (IN)

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. 

DEPT EDXXXX : # XXXX {$75000.00}, XXXX : # XXXX {$28000.00}, 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.