davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IN)

I got a letter in the mail stating that I owe {$140.00}. I called the phone number but all they have is an automated system. I asked to speak to an agent to find out why I have an overdue amount, since I've been set up on autopay for years. The robot transferred me to an " agent '', but there was no sound. After 4 minutes it gave me a survey asking how satisfied I was. I called back in and got the same response. The robot tried to get me to pay on the phone but said I owe ~ {$250.00}. Which is it? This bot could not explain why, since it is only set up to take payments. 

I tried to get into my account online but don't remember which password I used. So I filled out the " forgot my password '' form and didn't receive any supposed email with a temporary password until 24 hours later, the same amount of time that the temp password is set to expire. I tried logging in to change my password with the temporary password but it just said " an error occurred ''. This happened on multiple attempts. 

What the XXXX. I'm also confused by the labeling of these documents. The letter I received is from " Aidvantage '', but when I call the phone number it says XXXX. On the emails I receive there is a description at the bottom saying it's from Maximus dba Aidvantage. What a shell game. WHY IS MY LOAN BEING BOUNCED AROUND? I'VE BEEN PAYING FOR YEARS, WHY CAN'T YOU AFFORD TO SERVICE THEM TO A SATISFACTORY LEVEL??? WE ARE PEOPLE!!!! 

The quality of customer service is so bad. So so so bad.
Consumer complaint received 2022-09-05
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 XXXX $ XXXX Late Date XXXX
Consumer complaint received 2023-02-14
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. (MA)

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. 

COLLECTION : # 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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2022, that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2023-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (MD)

I have a CD with Synchrony Bank. Today I called to cancel it. 
When I asked about the penalty, I was told it is 6 months. I asked where was that in the details of the loan since it does not show anywhere in the loan online or during the application process. I learned it is hidden deep in their website. It is clear they do not want consumers to see the details. You have to go to another site and download a PDF and go through the whole document to try to find it. 
Are there regulations around this? Can they make it so difficult to see the terms? It seems unfair. I talked to an agent. Was told I can file a complain. I was put on hold for 10 minutes and never heard back from anyone. The Chat feature is unavailable due to high traffic. There is no email to submit a complain.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! XXXX  have already removed this account from their records. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit has filed a law suite and was awarded judgement over a debt I knew nothing about. This debt is well over XXXX years old and is against the fair debt collection act. I answered to the complaint in XXXX XXXX court on line and no new court date was issued. I was not aware of the court at that time. I was served with a garnishment on this debt that is very much over XXXX XXXX XXXX that I did not cause. Again this has past a statue of limitation per Georgia law. The collection agency Midland Credit only had XXXX years by Georgia law and now causing to infringe on the fair debt collect act. Something needs to be done on judges in XXXX XXXX for not enforcing these laws. I would like to file a suite against midland credit XXXX XXXX and XXXX XXXX ga for infringing on my rights to the fair debt collection act.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MO)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Has violated my rights. 15 U.S.C 1681 Section 602 A, States i have the right to privacy. 15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (TX)

XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-01-04
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)

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 : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-02-14
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. (OR)

XX/XX/2023 credit report showing XXXX XXXX account with status reported " charge off. {$650.00} written off. {$650.00} past due. " I called XXXX  XXXX to request irs 1099 form for supposed charge off account. XXXX  had no record of account. Isn't this identity theft
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-04
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: Experian Information Solutions Inc. (TX)

I just reviewed the copy of my credit reports and It seems that there are inaccurate and unauthorized inquiries reporting. 

Please see the attached XXXX  file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. To whom it may concern my name is XXXX XXXX XXXX I was a victim of the ravages of XXXX.I was hospitalized for an extended amount of time, while I was hospitalized with XXXX, an agreement was made with the XXXXXXXX XXXX under the Cares Act, therefore the account was never late.Please remove all late payments from this account, and please also send me out a corrected copy of my credit report to the address listed below
Consumer complaint received 2024-03-20
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)

XXXX, XXXX, TRANSUNION Last XXXX XXXX RE : XXXX XXXX Partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting late payments on the account ( XXXX ) .and accordance with the fair credit act XXXX Has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose XXXX XXXX XXXX S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { Mercy Health West } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hello back on XX/XX/year> a letter was sent to transunion disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Consumer complaint received 2022-10-30
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. (CA)

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Transunion to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XX/XX/XXXX Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (MO)

They have sent me letters stating that they will start a lawsuit against me after I sent them a debt validation letter that they have not responded to, which they are legally obligated to respond to, ( Letter arrived XX/XX/2020 to their main office ). They've also harassed my sister, calling her with MANY numbers. The letter is dated XX/XX/XXXX, it is XX/XX/XXXX and they're only giving me until XX/XX/XXXX. The last letter was marked XX/XX/XXXX and I only received it XX/XX/XXXX VIA XXXX and they wanted a payment in FOUR DAYS that I couldn't afford because of the current pandemic.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-02-14
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. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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