davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 : TBOM/ASPIRE XXXX $ and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXXe Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/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 2020-06-19
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: Experian Information Solutions Inc. (TX)

I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NC)

I have never lived in XXXX, the city : '' Online Collection '' agency said that I received treatment. I have always lived in XXXX North Carolina. I have lived in the same address for the past 20 years. I have formally send the collection agency a demand to produce a written contract with my signature but all I received was copies of bills. These bill do not have anywhere that has my signature as required by legal presents. 
I have provided this company with my lease for the past 20 years as they demand but they claim they did not receive it. All my communication with the have been through certified mail, and I am able to track it and know when it was received. I have file two identity theft documents. One of them was the one they send directly to me. I call to make sure they receive it and they said, they did not but it was send by certified mail. I have all the documents and will mail it to you. 
I have other documents that I will mail because I do not have them scanned yet. This company have cost me money, they will say they want this document when I send them with certified mail they will say they did not receive it. This company has been paying games with my credit file and I will imagine they have been doing it to other people.
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am asking the CFPB to contact Mohela to get them to forgive the remaining balance on my student loans. 
On XXXX/XXXX/2022, I submitted a completed, signed PSLF application to Mohela, in order to seek forgiveness on my student loans based on the fact that I have over XXXX  months of on-time, completed loan payments. 
According to Mohela 's website, this forgiveness review should have taken up to XXXX days. We are now past XXXX  days ; I can not get anyone on the Mohela customer service helpline, and I have all the qualifying payment information submitted to Mohela.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attached my FTC report, driver license, police report & XXXX. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit bureaus ignoring peoples disputes, getting sued and not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the military I want to be treated right and not be treated like the people in the reports I read online. I already have health issues and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

A closed account with XXXX is reporting with the balance of {$1000.00}. This account is outdated and shouldn't be reported it has been more than 7 years since the first delinquency.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I had a checking and savings account with HSBC for over about 10yrs over those period of years, I was having concerns with my account transactions but because I was reluctant to change a bank, I continued with them until about a year ago, I finally had enough of my account not being accurately reflecting my actual amount deposited and withdrawal. As a result, I contacted them and closed the account. Few months after closing the checking account, I notified them and went to one of their branches in XXXX XXXX, and worked with them to close my savings account. At that time, the never informed me of owing the bank. After few months, I started receiving letters from the bank that I am owing them {$250.00}. I asked how come I was owing and what did I buy from them to be owing them. I dont even have their credit card per-se, but they were not able to explain to me how I was owing them just because I closed my account. If I was owing why did you allow me that o close my checking account and even came to your office and finalized for closing the savings and nobody said anything. I keep ignoring their bill until they sent the bill to collection which has affected my credit score. Please reach out and let them remove that from my credit score, thanks.
Consumer complaint received 2020-09-28
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. (NC)

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXXXXXX XXXX Please delete all hard inquires listed in documents and above.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NY)

Car was paid off in full, they were sent over payment. They kept overpayment on a closed pair in full, had the money since XXXX, its almost XXXX never got contacted about it. Contact them says it no check after I have check number an date they cash it, now they see it an be sent out. Still have not received. Called said it was never processed
Consumer complaint received 2020-09-28
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: The CBE Group, Inc. (NC)

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days.  During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Unknown company needs removed CBE GROUP Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXX XXXX Please delete all hard inquires listed in documents and above.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I sent letters to XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and no help I call the bankruptcy court and they informed me that XXXX has not reached out to them and its against the law to speak with them. The Fair credit act repair requires them to verify this information and they havent done so. Please have them remove this incorrect information from my report this is gendering me from purchasing a home and inquire a security clearance for my job
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AE)

I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my XXXX  credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.
Consumer complaint received 2023-08-18
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. (SC)

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 XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-19
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. (TX)

I have attached my FTC report, driver license, police report & SSC. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit these credit bureaus ignoring peoples disputes, i see lawsuits against these credit bureaus because they are not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the XXXX I want to be treated right and not be treated like the people in the reports I read online. I already have XXXX XXXX and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.
Consumer complaint received 2020-06-19
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-04
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Have a credit card with Kohls/Capital One and no longer work for Kohls and Ive had nothing but problems trying to get them to work with me on the card I am but I have not been employed with them and I was on an unemployed since XXXX of this year and theyve closed my account charge interest fees late fees all sorts of fees and refused to work with me on my credit report now I cant even rent a place to live because of the damage that Kohls has done for a credit card I cant find a place to live thats pretty sad they wont work with me they wont even offer a settlement my limit is XXXX and theyve done charged me an extra {$170.00}
Consumer complaint received 2023-03-15
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. (LA)

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (CA)

Hi. I want you to know I've never filed a complaint before. I'm really nervous because I don't want to get someone in trouble but I really need your help. 

I'm trying to get approved for a home loan and I am very close but there seems to be 1 thing holding me back. There is a collection on my credit report that is for XXXX. I don't remember owing XXXX any money but its on my credit report. When I found out, my husband called Contract Callers to see if we can just pay it and have it removed from my credit report. Contract Callers is who has the account on the report. 

Contract Callers told my husband no because they don't do pay for deletions as a company policy. I understand if that's their policy but its really hurting me to get this home. What really bothers me however is how they told my husband they don't have my address and they don't have my phone number. They even said they haven't spoken with us before. I don't understand how someone can hurt someone else 's credit without even trying to tell them money is owed. Or at the very least, confirming and making sure they have the right person before they begin causing this person harm. 

I'm desperate. I really need to buy a house and the only way I can get approved is by having this account removed from my credit report. Simply paying it won't do me any good. Can you help me convince Contract Callers to remove this from my report if I pay them? As I stated before, I never knew about this account until a lender pulled my report recently. It's not fair for me to have something hurting my credit when I wasn't even given a chance to pay in the first place.