davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (GA)

I have reached out to Experian regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX XXXX  XXXX 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 In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Experian still has not removed these items from my credit file.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I am on an Income Driven Repayment ( IDR ) plan. I recently learned that due to the forbearance I was not required to recertify my income information to Fedloan. I received emails from Fedloan asking me to recertify my IDR, so I did, causing my payment to increase. I need this to be revoked as I can not afford the new calculated payment. Contacted fedloan on XX/XX/18 and was told that they couldn't revoke my last IDR certification but would put in a request.
Consumer complaint received 2022-03-18
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)

XXXX was removed which caused a XXXX point drop in credit score. And want XXXX added back. XXXX had a good reporting on my report. The online information is inaccurate to the actual physical report & am disputing things that are a positive on my credit. Experian refusing to address late payments on my account due to illness & when I try to call Experian I am given a difficult the to get through to dispute then when I do, am refused & sent a credit report, or given inaccurate information on my credit report. Not updating such as XX/XX/2021, Experian will not remove soft inquiries I did not authorize
Consumer complaint received 2022-03-18
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: LEXISNEXIS (NY)

I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

Recertified for lower payments based on income, new monthly amount owed went up to {$500.00} from {$390.00}. All federal loans are on pause until XX/XX/2022, they deemed it essential to shift payments to 10 days from submission - XX/XX/2022. That wont be happening.
Consumer complaint received 2022-03-18
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: CBC Companies, Inc. (NY)

I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.
Consumer complaint received 2022-03-18
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. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2022-03-18
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. (NY)

I have disputed these fraudulent accounts several times and it has not been resolved. I sent in an FTC ID Theft Affidavit and they still have not complied with the guidelines under the FCRA. I have attached the documents for review.
Consumer complaint received 2022-03-18
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. (NY)

I have disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2022-03-18
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)

I have disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MA)

in XX/XX/2021 called to make a late payment to honda cause of covid asked to be late was supposed to be ok -- paid XXXX dollars a month later to get caught up now they have gone back and added 30 day late payment after they said i would be ok it was recorded i am the co signer of this lease and i was never notified cause i would have paid this before any late charges very deceptive on hondas part
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Applied Data Finance, LLC (LA)

I'm renting a home with another person. I received text from my roommate saying that XXXX XXXX XXXX XXXX has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident. 

The company 's information is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-18
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)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2022-03-18
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)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2022-03-18
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. (AL)

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I began the lending process in XXXX at which time a rate was locked in. After FOUR MONTHS of DELAYS, including the wrong loan type being identified, the contractor submitted incorrect quotes multiple times and several delays from the underwriter, I was suddenly notified that the rate will increase. 

This is unethical and predatory, based on the delays being caused by the financial institution, to pass this cost on to the consumer.
Consumer complaint received 2022-03-18
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. (CA)

XXXX is reporting inaccurate information on my Equifax Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted Equifax XXXX XXXX and XXXX exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my Equifax Credit Report " Deleted ''
Consumer complaint received 2022-03-18
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

Based on my credit report several account had been opened under my name. I do not know the sum of the amount for each account since they're all charged off and over its limits. Tried to dispute but must companies need a police report so I'm attaching the Police report. I've also received email regarding loans applications and denial letters. So far, I have XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Name used to obtain application was XXXX XXXX, XXXX XXXX from New York, and address XXXX XXXX XXXX  instead of XXXX XXXX XXXX. Also, I have an FTC Report and had placed a Freeze on Credit Files, hence the Freeze will be in force for 7 years. Thank you. 

Also, There is a collection company trying to collect debt not owed. SPRING OAKS CAPITAL LLC. XXXX for {$1000.00}.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Where is my certificate XXXX, Transunion LLC, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Consumer complaint received 2023-01-26
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. (NC)

Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (WA)

We lived at XXXX XXXX at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly sixty days to resign the lease for twelve more months even though we weren't sure if we were going to stay or go. 

We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. The manager and the assistant manger said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021 and the apartment was cleaned and looked brand new. We have pictures. 

A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXXXXXX XXXX rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX XXXX rent even though new tenants had already signed a new lease. The manger expressed that even though we didn't start the new lease, w e still owed for XXXX. This was news to me. 

I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it giving the new tenants a fresh new place to dwell. We do not owe for XXXXXXXX XXXX rent. Please help us with us.
Consumer complaint received 2022-03-18
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. (FL)

Where is my certificate Experian, XXXX XXXX, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Consumer complaint received 2019-11-19
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. (FL)

Looked at my credit report today saw fraudulent inquiries. One from XXXX   second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

Debt Validation Letter asking to cease reporting until the debt was verified by me along with a copy of my signature with the provider to release medical information. ( Consumer ) sent XX/XX/2021, Debt collector responded on XX/XX/2021 with only a statement and no documentation with my signature. 

Debt collector violated the following : 15 USC 1692 b ( 5 ) 15 USC 1692 b ( 2 ) 15 USC 1692 d ( 2 )
Consumer complaint received 2022-03-18
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: Eastern Account Systems of Connecticut, Inc. (VA)

My insurance XXXX XXXX XXXX recently paid off my XXXX bills on a 3 way call with the creditors. They was also informed that wasnt supposed to bill me because I have Medicaid and they told us on the call that it would be removed from my credit report after 30 days. Its still havent been removed after it was paid. I have disputed this matter multiple times and it either comes back verified or accurate. This is becoming a serious issue on my report and it wasnt supposed to been billed to me on the first place. 

The person I spoke with about this matter was XXXX XXXX XXXX  said XXXX would sent it to XXXX  supervisor so it can be removed XXXX was from XXXX XXXX XXXX and XXXX XXXX from XXXX Account XXXX said to call bearus to be removed nothing has been changed!
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am asking with all my heart I been with the company for years now and I made a mistake in XX/XX/XXXX and XX/XX/XXXX I was going through a hardship and now I am back on my feet so now I am begging if you can remove my late payment. When I make this mistake I know nothing about credit now I am learning as I go I know I made this mistake I am just asking please to give me a chance just this once and I promise you wont regret it.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I have been receiving calls threatening if I didnt return the call legal matters will be taken they are trying to collect. XXXX debt stating iowed wells fargo from 2006 wich I've never ever had a bank account with that bank he said I was gon na be taken to court n that they where gon na see if my signature was the same as what they had I went down to a wells fargo branch and explained what was going on they clearly said that was a scam. That they don't do that type of action
Consumer complaint received 2022-03-18
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. (CA)

I disputed several times with the agency XXXX XXXX XXXX XXXX Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with Equifax, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' XXXX XXXX XXXX XXXX  " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.