davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
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. (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 XXXX XXXX XXXX XXXX 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. 



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 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 2023-05-17
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: FIRST PORTFOLIO SERVICING INC (GA)

I am in receipt of your response to my complaint on XX/XX/2023. Please be advised that the response did not provide full details of the account, nor was the pertinent information that was said to be listed, listed. Furthermore, in response to the statement, Your complaint did not identify what inaccurate information you believe is reporting and we were unable to investigate further, Please note, that I am fully aware of my rights as a consumer and the role of the furnisher during an investigation to provide the requested documentation pursuant to the FCRA.
Consumer complaint received 2022-10-07
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account number # XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account numbers # XXXX XXXX XXXX XXXX XXXX XXXX  Account numbers # XXXX XXXX XXXX Account numbers # XXXX, XXXX Account number # 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 intormation Anv other adverse item of information, other than recoras or 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 know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (PA)

On XX/XX/2020 my card was used fraudulently. I called and reported this to Eppicard.com PA department. They cancelled my card, and issued out another one at no expense. I received the new card and activated it. Today XX/XX/2020 I called to check the status of my claim. The representative verifies my information ; then transfers me to another department for fraud. The rep XXXX who answered the phone, could not understand what I was saying ; then claimed the information did not match my social security number. Now keep in mind my information was verified prior to being transferred. I advised that my info is correct ; he stated " sorry ma'am I have closed your card '' and you have to provide proof you are who you say you are. I stated my maiden name is on this card and my drivers license has my married name. He stated I would have to show divorce papers. I have not divorced, how can I show this? He froze my card, I am unable to access my funds. They are unable to give me information, and refuse to say anything other than sorry. I have no job and this is the only funds available to me for my daughter. They are not trying to help me, and I am unable to use anything. It has been weeks since my first call to them about the fraud and they still refuse to assist. My $ is stuck in this pre-paid account. I want to report them for falsely closing my card, not wanting to listen to me verify any information and refusing to let me transfer my funds. 

They have no information and another deposit is on its way to this card and they won't allow me to use it. I have contact domestic relations of PA about this shady company. They also charge per call you make to them.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I've contacted LoanCare about 5 times trying to have issue resolved. My mortgage was sold to LoanCare, they recorded the correct principal balance, but did not record the payment I had made to the previous loan servicer. I have been sent round and round with no one willing to correct my payments.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not one payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to XXXX XXXX XXXX XXXX. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by phones just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.
Consumer complaint received 2022-12-28
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc. (AK)

savit XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX ( XXXX ) XXXX Claims of non payment but bill was paid under XXXX and XXXX XXXX XXXX XXXX NJ Charity Care Program.
Consumer complaint received 2022-12-28
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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. (MI)

I've submitted proper documents to show that I was the victim of Identity Theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my credit score and personal life.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/2020 we received a letter from the County of XXXX XXXX XXXX Tax Collector notifying us that we owed {$6900.00} in past due property taxes. We were perplexed since we have an impound account and our mortgage company PHH Mortgage is supposed to be paying them. Since XX/XX/XXXX, we have spoken to customer service at PHH 4 times, we have faxed a letter with the bill from the county 3 times and have emailed them twice. We can't talk to anyone in the tax department, and customer service has told us various things : that they mailed {$500.00} to the wrong county ( XXXX XXXX ) and were waiting for the money to come back ; on XX/XX/XXXX they told me they had mailed {$2900.00} to XXXX County ( XXXX County Tax acessor never received it ) ; Customer service has promised they will have the PHH tax department call the county directly and then call me, and they have done neither. Every time we call customer service we speak with a nice person with a foreign accent who can't locate our numerous faxes and promises to have the tax department look into it and call us back- and then we hear nothing. We are beyond frustrated!

At this point we are refinancing to get away from PHH but can not finalize the refinance since we now owe {$7000.00}. in past due taxes that need to be paid first.
Consumer complaint received 2024-02-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 2022-12-28
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. (AZ)

Someone opened a XXXX XXXX XXXX XXXX Account without my knowledge of anything ( XX/XX/2022 ). They used my SSN, date of birth, and address, yet I did not receive anything in the mail. They paid XXXX and XXXX billing months, but missed XXXX and XXXX. There is {$1000.00} of credit due on my name. I finally noticed when my Credit Score took a major hit this month. XXXX XXXX marked the account as Fraud. I contacted Transunion, and filed a dispute. On the transunion site, my profile showed a phone number I did not recognize and my employer info was wrong. I was not notified when my details changed!
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Each month I have a {$210.00} payment for my XXXX XXXX. In XX/XX/2024 I sent in a payment to Mohela ( my student loan servicer ) and the check cleared my bank ( showing a check cashed by Mohela on XX/XX/2024 ). Then I kept getting late notices from Mohela - stating they did not have my XX/XX/2024 {$210.00} payment. I called them twice and emailed them as well - they denoted they had no record of my payment. I informed them that a check for {$210.00} cleared by bank on XX/XX/2024. They still denoted they had record of my check ( and payment ). Mohela is sending me late notices - I even emailed them a copy of my bank statement showing Mohela processing a check for {$210.00} on XX/XX/2024. 

I have emailed Mohela and called them- and they still can not validate my payment.
Consumer complaint received 2022-12-28
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-28
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have an auto loan with Capital One. I was set up on a payment plan in XX/XX/XXXX, to catch up on two or so past due payments. I was told that my loan would become current in XX/XX/XXXX. I made all payments as scheduled. 

The most recent payment I made was on XX/XX/XXXX, of {$530.00}, for my XXXX payment due XX/XX/XXXX. Today I received an email from Capital One starting my loan is 12 days past due, with a payment due XX/XX/XXXX, of {$520.00}, along with late fees of {$130.00}. 

Capital One can not give me a satisfactory answer for why my loan is showing past due, nor for why I owe any late fees, as my last few payments have all been made on time. They have also blocked access to my online account, so I can not login to their website to view my auto loan statements. 

Please help.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. XXXX  and Equifax are still reporting these accounts with an outstanding balance.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX  Balance {$0.00} account # XXXXXXXX XXXX XXXX Balance {$330.00} account # XXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX  XXXX XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Act. # XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX  XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  account # 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  has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-24
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. (CA)

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized nor do I have any affiliated with. I've contacted the credit reporting agencies notifying them of my personal information being stolen in 2019. I advised that accounts were now being reported to my credit report that are not mine I have the right to privacy and have not given any written consent for this information to be furnished to my credit profile which is in violation of 15 USC 1681B. 

Furnishing accounts due to identity theft is also in violation of 15 USC 1681 c-2 I requested that Experian, XXXX, and XXXX remove all fraudulent addresses that are tying me to accounts that are not mine. I have not received any formal updates and this information being reported in severely impacting my credit.