davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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)

On XX/XX/2014 I received written notice that my dispute request was open and being processed. I requested that they provide me with their method of verification including but not limited to a detailed explanation of the verification process conducted, a copy of any written agreement or contract that obligates me to pay the alleged debt. I asked that if they were unable to provide me with the requested information to remove the information from my report immediately. The company has made the results of this investigation available without providing me with anything that I requested, thus resulting in inaccurate information being reported on my report.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

A collection agency by the name  of Amsher Collection Services is repor ting a  XXXX  account on my credit report for {$1300.00}. I went to  XXXX  in person to find out about this debt and it turns out it was identity theft. I fille dout a  Fraud Package given to me fro  XXXX , they contacted Ansher collection who instead of deleting this account from my credit report, just sent a letter saying that I paid it. I never paid them obviously because it is not my debt. And if they recieved a payment from  XXXX  then they need to report the accoutn to   XXXX   not to my credit report. You see, if they report that this account has a  XXXX  balance, it still affects my credit because it will be reported as paid after being in collections, therefore they need to delete the account  completely from  XXXX ,   XXXX   and  XXXX  and report it to whoever paid the account since the account was not mine in the first place.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (NE)

In accordance with the Fair Credit Reporting act XXXX Account that is on my credit report has violated my rights. The date of this accounts are XX/XX/XXXX, {$10000.00}. There is a balance of {$21000.00} XX/XX/XXXX in the amount of {$7600.00} XX/XX/XXXX in the amount of {$8900.00} XX/XX/XXXX in the amount of {$4900.00} XX/XX/XXXX in the amount of {$4200.00} XX/XX/XXXX in the amount of {$4100.00} XX/XX/XXXX in the amount of {$1900.00} XX/XX/XXXX in the amount of {$3200.00} XX/XX/XXXX in the amount of {$1600.00} XX/XX/XXXX in the amount of {$1400.00} XX/XX/XXXX in the amount of {$1100.00} XX/XX/XXXX in the amount of {$1000.00}
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I have a credit card account with Comenity. I checked my XXXX credit report on XX/XX/2022. Comenity has not updated the balance on my credit card since XX/XX/2022.
Consumer complaint received 2024-03-06
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. (FL)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2022-11-30
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. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions. 


ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2023-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-08-21
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. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-21
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

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 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-06
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. (TX)

I, XXXX XXXX never gave EXPERIAN, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The credit bureaus were also notified that my information was compromised in the XXXX data breach. The collection agency that is claiming that I owe an alleged debt to their agency has failed to validate this debt. There was no original contract with my signature, no forward flow agreement, or 1099c sent to me. XXXX has since removed this account. Also note that Experian and XXXX are reporting different dates for the date of last activity which is a violation of the FCRA. All data furnished should be consistent and accurate. Attached is my credit report to show the error. I will attach the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (NE)

I never had applied for a personal loan from Net Credit of XXXX. 
I first learned when I received a collection notice for {$5100.00} on a loan I never made nor received a XXXX. 
Several attempts were made and no action was taken. 
Someone somehow stole my personal information to get a {$5000.00} loan. 
Again, this company did nothing to help me or take the negative collection reports off the 3 credit reporting agencies.
Consumer complaint received 2022-11-30
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. (PA)

XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions. 


ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Consumer complaint received 2017-05-19
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. (OK)

I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I disputed it on  XXXX  Dispute and  reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudule nt (   XXXX  charge for  XXXX   ), s o she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.
Consumer complaint received 2017-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I took out student loans for a  XXXX   XXXX  in  XXXX . In  XXXX  I consolidated those loans thru the  XXXX  ( federal loans ) and have been paying on the loans which is serviced by Navient, I think it was originally by sallie mae i am not sure.     I recently retired and called today to find out what i needed to do to ensure my employment information was on file for the public service forgiveness program because i worked for local government and had sent my paperwork in back in  XXXX  and I still had the same employer (  XXXX  county ) and I am now going to a non profit that i believe will qualify.     I was told today when i called that none of the payments i have been making since  XXXX  will actually qualify because i was in a " standard repayment '' not the Income based repayment and so therefore i could enter it now but none of the pas t 3.5 years will count towards the 120 paym ent requirement.     I was shocked by this information because I understood that my payments were qualifying, i have never been la te etc..  so i was hoping to find out if there is anything I can do, I also understand that my interest rate is now fixed at the rate it was set when i consolidated so the only recourse i see is to look for a private lender to refinance the loan at a lower rate if possible AND not get the benefit of the forgiveness program.     I hope you can help
Consumer complaint received 2023-06-20
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. (GA)

In accordance with the Fair Reporting act XXXX Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (FL)

There are some very questionable business practices with Fay Servicing and I have yet to get answers. After reviewing my docs and Having my accountant go through the errors there are major discrepancies.

According to foreclosure complaints I been in default since XX/XX/XXXX ( see attached ) XX/XX/XXXX my payment was refused ( see attached ) Fay accepted XXXX payments in XX/XX/XXXX I have XXXX  years of consistent payments before that ( see attached ) Letter Dated XX/XX/XXXX -- -- -- WAS MANUFACTURED AFTER THE FACT Letter Dated XX/XX/XXXX -- MANUFACTURED AFTER THE FACT ( see sattached ) Payment was made XXXX and XXXX XXXX Payment returned XXXX ( see attached ) Letter Dated XX/XX/XXXX XXXX that is the XXXX statement upon inception. Was that Balance carried over from XXXX XXXX including rearage? What were the terms in regards to XXXX XXXX Obligation with settling the debt that fay Servicing assumed?

The letters that I have attached have been manufactured after my recent request. If you look at my payment history the default letters don't even chorrelate. I need clarity. 

Furthermore, I have a XXXX XXXX XXXX father residing with me who has XXXX XXXX. Why was he served in the complaint and a default judgement entered. Is that even legal? He is literally terrified that he has to leave. 

Also, My son resides with me and is a XXXX Veteran. He was also mentioned in the complaint and I don't know why. Im still waiting for clear answers and responses to the letters I sent certified mail.