davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (VA)

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX c/o XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXXXXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

Student loan accounts were under XXXX Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
XXXX XXXX XXXX XXXXXXXX  XXXX Installment Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous XXXX   FORGIVENESS ACCOUNTS WITH XXXX XXXX XXXX XXXX  Then, I have contacted XXXX XXXX XXXX and tried to resubmit the same information that I submitted to XXXX XXXX XXXX XXXXXXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account.

I have did my time XXXX  and I am still in the XXXX field in XXXX and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX XXXX XXXX   does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XXXX XXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXX  XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX   XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX XXXX
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is committing securities fraud and will not credit my account. I was sent a payment coupon/security by XXXX  XXXX, I endorsed the security/coupon for deposit into my Treasury Direct account for deposit and XXXX  XXXX Financial reuses to follow instructions and deposit the security/coupon, according to UCC Article 9. XXXX XXXX XXXX is making a fraudulent claim that I owe them for a debt that I discharged with a Form 1099-C that I sent to their CFO two months ago. XXXX XXXX XXXX remains to report fraudulent information to Experian and XXXX Credit Bureaus, and this is against the consumer protection laws. According to the bookkeeping entries of XXXX XXXX XXXX involved in the extension of credit, did XXXX XXXX XXXX lend their credit as adequate consideration in the credit agreement or contracts? Yes or No? Did XXXX XXXX XXXX follow generally accepted accounting principles, XXXX? Yes or No? XXXX XXXX XXXX is making false statements and damaging my credit worthiness for no reason. I demand XXXX XXXX provide where the extension of credit that they claim I owe comes from? I reserve my rights under UCC 1-308. According to Chap. 48, 48 Stat. 112 the debt they claim I owe is already satisfied.
Consumer complaint received 2023-01-27
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. (TX)

There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2023-01-27
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. (GA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (OR)

I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much
Consumer complaint received 2023-01-27
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I mailed a letter to XXXX XXXX XXXX informing them of the charge off they listed through Equifax. XXXX XXXX XXXX provided a deceptive document to verify the alleged debt which is violating me as a consumer.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TN)

I recently received a modification with the 3 trial payments. I've made the 3 trial modification payments and the mortgage servicer still has my property set for property foreclosure. The Property foreclosure sale date is set for XX/XX/2019, why is the mortgage company trying to foreclose on my home when I've made the 3 trial payments and I'm making the first mortgage payment. I have not received my permanent modification agreement as of yet. 

I need Help!!!!!!
Consumer complaint received 2019-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Due to losing my job I was unable to make payments on time, however I always contacted the company to set up a payment arrangement. Last month they took the car and I called and made a payment arrangement of {$250.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. On XX/XX/XXXX I called to make the payment on to find out where I could go to retrieve the car. This is when I was told the car was sold on XX/XX/XXXX, they said they were gon na try to find out why it was sold. On the XXXX they said nothing could be done because they sold it at an auction, that they were sorry because it was a mistake on their side and that we were gon na get the {$250.00} back from the first payment. We've been paying the car since XX/XX/2017, with really high interest. A car that was worth {$14000.00}, was financed for {$31000.00} and was sold for {$11000.00}.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: KP ASSET CONSULTING LLC (KY)

I have filed a complaint for the phone calls and misrepresentation. After speaking with the KP Assets again they confirmed they do not own the debt so I asked for debt confirmation/validation letter. Again the repress themselves as a mediator and threaten legal action contact family and friends etc. They work with a company called XXXX but act as if they are not affiliated. 

I requested the calls to stop they said no since they are a mediator. They then sent the attached document stating they were without providing all the required information of a debt validation letter.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-01
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)

All three major XXXX XXXX Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all XXXX Equifax and XXXX for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


XXXX XXXX XXXX Credit card Individual XX/XX/XXXX Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX BANK XXXX Credit card Individual XX/XX/XXXX Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (ME)

On XX/XX/XXXX I received a credit alert that a collection from Radius Global Solutions was placed on my credit report. This collection is for {$990.00}. The open date states XX/XX/XXXX and the original creditor is XXXX. 
I have never received any communication from Radius Global Solutions. 
XXXX is a power company who operates in CT, MA & NH. I live in Maine - they do not service my state. 
I have lived in Maine for quite some time and could never have had a bill with XXXX from XX/XX/XXXX. 
Radius Global Solutions violated the FDCPA by not providing notification of the debt prior to placing a mark on my credit report. 
Radius Global Solutions is reporting false information on my credit report, as there is no possibility I had an account with XXXX which went delinquent in XX/XX/XXXX. 
Radius Global Solutions must remove this mark from my credit report immediately as well as provide validation of this debt they allege I owe. They must provide all historical statements as well as a signed contract and the alleged address that they are claiming XXXX provided services to me.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (MN)

I am trying to looking for lending information for a mortgage company, XXXX XXXX, ( XXXX XXXX XXXX/ ), to help make a mortgage application decision. 

I went to CFPB Home Mortgage Disclosure Act Mortgage data to look up this company. However, the last mortgage origination I can find is in XX/XX/XXXX. There seems to be no mortgage origination from this company after XX/XX/XXXX. And I find that there were several lawsuits filed again that company.

It is very important to know the company 's lending history before making a decision. I do not know if this company actually did not originate any mortgage from XX/XX/XXXXto XX/XX/XXXX. Or they reported under another name.
Consumer complaint received 2019-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (TX)

I sent a Certified letter to : ALLIED COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Tracking # : XXXX Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2019 in XXXX XXXX, NV XXXX. 

This company claims I owe them but they have not provided proof of this to me and have not responded to my letter in the 30 day period they are required to do so. They keep increasing the amount they are trying to collect every month
Consumer complaint received 2019-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

On XX/XX/2019 I spoke with a representative by the name of XXXX and cancelled a {$560.00} payment scheduled for XX/XX/2019. I also asked that XXXX send a billing statement by mail to allow me to pay by mail instead of being charged {$6.00} by XXXX XXXX each time i make a payment. My husband had asked a previous representative in XXXX to do the same, but we hadnt received it by XX/XX/2019 so I requested one again. XXXX stated that the payment was cancelled and he would be sending the statement. On XX/XX/2019, I received a notice from my bank stating it had become overdrawn. When I looked into it, I had a charge from American Credit Acceptance for the {$560.00} I had previously cancelled on XX/XX/2019. On XX/XX/2019 at XXXX PST, i reaches out to American Credit Acceptance and spike with XXXX. XXXX stated that he saw where I called on XX/XX/XXXX and  cancelled the payment and he saw where I was still charged. XXXX stated that the payment would be refunded to me and it would be overnighted to me. He stated I would receive the refund by XX/XX/2019. I also asked about the fees that my bank charged for being overdrawn and he stated I could send them a copy of the bank statement and they could possibly refund those fees as well. I called my bank that same morning and my bank refunded the fees and I also had my bank place a stop payment on any and all payments American Credit Acceptance would attempt to process from that day forward. I had not received anything by XX/XX/2019 so I reached out to American Credit Acceptance once again. This time I spoke with XXXX. XXXX stated that the refund was approved on XX/XX/2019, but it needed to be approved by another department and that department barely approved it on XX/XX/2019. She apologized for the misinformation given by XXXX and stated the refund would be sent to me that evening and would get to me no later than XX/XX/2019. On XX/XX/2019, I still had not received the refund. I reached out, yet again, to American Credit Acceptance and spoke with XXXX this time. XXXX advised me that she could see where the refund was approved on XX/XX/2019, but no information regarding the payment being sent. She then informed me that the payment processing department was closed for the day and for the weekend. She stated she would escalate the issue to her supervisor and her supervisor would email the payment processing team and I would have to get in contact with the payment processing team on XX/XX/2019 to see what they would decide they could do for the refund. I also asked what would be done about my account continuing to be further past due because they processed a payment when it was cancelled and it started this mess. XXXX stated that even though she was in the collections department she could not help me with that and I would need to escalate that with the payment processing department as well.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a dispute to have the current status updated on my XXXX XXXX  XXXX LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX