davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (SC)

XX/XX/2022, Experian responded to complaint # XXXX. I disputed the addresses that was show on my credit report. Experian states that the addresses do not appear on my current Experian credit report. I have attached my XX/XX/2022 credit report that was mailed to me as proof. I am disputing both accounts that belong to these addresses. If these address are not on my credit report, why are theses account on my credit report. Child Support North Carolina address # XXXX and Child Support North Carolina address # XXXX showing on my Experian credit report. The Fair Credit Reporing Act states that all credit reporting agencies must report accurate information on a consumer credit report. Law 15 U.S code 1681.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The company is reporting that I have an outstanding balance amount with a previous landlord/property. This information is inaccurate. I dont owe the property any money. My balance should be {$0.00}. According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. 
This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

ChexSystems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received a letter from the XXXX XXXX XXXX to contact with your company for the consumer credit report. Your company already added security alert in XXXX of this year, XXXX. Even though the letter indicated to request its office in XXXX, I contact with your office in XXXX, since your office created my file. 
Sincerely,
Consumer complaint received 2023-02-23
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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.
Consumer complaint received 2022-04-21
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: Maximus Federal Services, Inc. (PA)

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have 9 missed payments to my student loans. When I investigated this further it shows I have 2 missed payments from XX/XX/XXXX and 7 missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all 9 of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to Aidvantage and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called Aidvantage credit reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to Aidvantage. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have XXXX  small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
Consumer complaint received 2015-08-02
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

To whom this may concern, I was the designated recipient of money transfer enumerated by XXXX # : XXXX. 

I would like to know why Western Union failed to honor this transaction. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2023-10-21
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. (FL)

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 2022-04-21
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Account Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC (CA)

XX/XX/2019 I received a phone call at my work phone from XXXX at RMS ( XXXX ) XXXX-XXXX. 
I asked him to send a document to my home address being I never received anything from them USPA mail. He told me he can call my work phone anytime he wants to and it is legal to do so. I asked him him to NOT call the work number again.
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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. (FL)

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

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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. (FL)

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

XXXX XXXXXXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NJ)

I have a collection company ( Amcol Systems Inc ) who appears to have purchased medical bill debts from many years ago that was paid through health insurance ( XXXX ). They just started reporting to the bureaus XX/XX/XXXX and plan to continue reporting until XX/XX/XXXX. I have attempted to reason with Amcol and explain to them that the information they have is incorrect and when that did n't work I disputed it with XXXX and XXXX. They both came back saying that it meets the requirements of FCRA. I am working very hard to repair my credit and this is having a very drastic effect on my life. Please help me as I have run out of options. Thank you in advance.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year
Consumer complaint received 2018-06-02
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. (OH)

I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (MA)

I was informed Hire Right reported I received a XXXX  in my driving record on XXXX XXXX. 

I have not received a XXXX  in 10+ years. 
MA driving record attached. 

Hiring employer denied gainful employment because of this false information reported for XXXX XXXX, XXXX
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was notified by my credit monitoring service of an inquiry on my credit report by Santander bank. It turned out to be a loan applied for at their bank I did not apply for a loan at Santander or any other bank in over 2 years. Ive tried contacting the bank via phone on multiple occasions but keep getting transferred from on department to the next They dont offer email contact
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (OK)

I called trying to resolve my account with them and wanted to talk to the person that I last spoke with. They would n't have him call me back and wanted to transfer me to a supervisor. I hung up because I wanted to talk to the person I talked to last. They have called me back four times in the last 30 minutes
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Madison Management Services, LLC (WI)

I would like all documentation regarding this loan to be published to me and the consumer financial protection agency and I want all signed documents and how many times it has changed over to these debt collectors or services they call them I want I wan na know where my statements are I wan na know why the loan went up I want all information regarding this from day one
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2022-04-21
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. (FL)

This Complaint is to the original complaint received by you on XXXX under your reference CFPB Number XXXX. NOW The XXXX ( Credit Reporting Agency under their reference number XXXX dated XX/XX/2022 ) falsely indicate that I owe {$370.00} to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, AL XXXX. Pursuant to the record/evidence forwarded to you, this amount is paid to the dealer. ( see details attached to the Exhibit # XXXX in your possessions ) .These copies was forwarded to them, without any avail. Also, the reporting agency indicate that monthly payment was {$370.00} IT IS FALSE AND UNTRUE. The monthly lease payment was {$210.00} ( see details of CLOSED END MOTOR VEHICLE LEASE AGREEMENT paragraph # XXXX, copy in your possessions Exhibit # XXXX ). Request of corrections of their report in last XXXX months produce no results. This matter came to my attention only in XX/XX/2022. There is no response from XXXX XXXX XXXX.
Consumer complaint received 2016-07-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (OR)

It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.
Consumer complaint received 2022-04-21
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. (NE)

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 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXXXXXX XXXX XXXX XXXX  - account # XXXX XXXX XXXX  XXXX - account # XXXX XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 section 2. it also states a consumer reporting agency can not furnish a account with out my written instructions