davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (TX)

XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of EXPERIAN and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : EXPERIAN is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by EXPERIAN according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

EXPERIAN has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by EXPERIAN.

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to EXPERIAN, which is a crime and violation against another one of my rights.

EXPERIAN is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

EXPERIAN has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for EXPERIAN to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that EXPERIAN violated my rights in disclosing this information without my written consent.

EXPERIAN has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that EXPERIAN have the item removed.

Enclosed is a copy of my EXPERIAN credit report as well as a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report, A copy of my EXPERIAN credit report
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (AL)

Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - XXXX XXXX XXXX - in regards to an outstanding balance of {$1500.00} ( ref # XXXX ). I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - Convergent Outsourcing. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted Convergent ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to Convergent from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and Convergent. Albeit, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a savings and checking account, I had it setup if checking account was low it would come from savings which I thought at the time I was on vacation once they hit me with so many overdraft fees of {$25.00} it was overwhelming I never recovered, charged me for transfer of funds all kind of problems and late fees very heartbreaking what they did too me.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have requested an investigation on XX/XX/XXXX in regards to my account with Capital One Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NY)

I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.
Consumer complaint received 2023-07-13
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc. (CT)

They restricted me from making a payment online and wouldnt respond to me. Said if I didnt make the payment they were repoing the car. It is less then 2 months behind and Ive been making payments. Then they suspended me from using the online portal to make any payments at all.
Consumer complaint received 2018-07-18
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: EQUIFAX, INC. (IN)

I have notified XXXX, XXXX XXXX, and Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Consumer complaint received 2023-07-12
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (CA)

The company NorthStar Debt collection has been constantly calling on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and were previously calling from a different number. They say they have information but leave no name of who they are looking for. Initially I was worried and pulled my credit report since I know I dont have any debt collections and my report showed nothing. They constantly call and leave messages, and there is no reason they should be calling me. Clearly they dont leave a name of who they are trying to contact and the calls have been non stop for about a month.
Consumer complaint received 2023-06-12
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)

XXXX XXXX XXXX agreed to remove all reporting late payments from my credit reports and they told me to wait and that they submitted the request to the Credit Bureaus and to wait for them to remove them I have contacted the bureau about when will they remove the info that was requested to be removed and all 3 bureaus told me that the removal of account or account info is not done on there end so I contacted XXXX XXXX XXXX and they told me that its not done on there end so I have been waiting for to long for the removal of the late payments that were agreed to be removed.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Home Loan Center, Inc. (LA)

On XX/XX/2019 i received a phone call from XXXX XXXX XXXX for a loan and I accepted the loan offer but at first I had to put 5 % of the loan up front which was {$100.00}. So when the funds say they are sent I get another email about the funds are put on hold until I pay a {$160.00} wire fee and a {$8.00} stamp fee so I pay that also. I still have not received my loan from this company and when I call them they say its been sent which it has not and they will not provide me with a statement saying money being sent and now they want me to pay {$190.00} so they can send it to me thru XXXX XXXX which Im not.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/year>, violating 5 U.S.C. 552a ( d ) ( XXXX ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/year> to XX/XX/year>, with a breach of 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( XXXX ) and XXXX ( d ) ( XXXX ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/year> to February 2024, 12 CFR 1026.13 ( d ) ( XXXX ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " XXXX XXXX XXXX '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/year>, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). XXXX XXXX XXXX XXXX violations relate to all three major credit reporting agencies.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion credit bureau today, Friday, XX/XX/XXXX, regarding an incorrect, wrong status on my paid in full vehicle loan through XXXX XXXX XXXX XXXX. 

The TransUnion representative and/or employee stated to me that his computer screen shows two late payments reported to them in by XXXX XXXX XXXX XXXX. 

I have attached my XXXX TransUnion personal credit report and there is no negative reporting by XXXX XXXX XXXX XXXX. 

I do not understand why this negative reporting has just hit my credit report and there does not seem to be any fair resolution to this issue. 

I am asking for a full investigation into TransUnion credit bureau as to their policies and procedures for reporting negative information.
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TN)

I pulled my credit report and saw that I have an account on my credit file from AFNI account number is # XXXX with the amount of {$160.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
Consumer complaint received 2019-04-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ditech Financial LLC (MO)

Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX Phone XXXX-XXXX-XXXX Fax XXXX I have been trying to contact XXXX and now ditech financial concerning my Deed of Release. XXXX is the servicing agent listed on XXXX, however they said they sold the debt to ditech. Ref # XXXX-XXXX. 

I need to clear this matter up ASAP Ditech financial is " Clouding my Title '' without proving evidence that I owe a debt. To my knowledge I never took out a second mortgage. 
This is very alarming ... 
Please advise.
Consumer complaint received 2020-12-17
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: U.S. BANCORP (OR)

I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX  I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (KY)

This debt has been paid directly to the original owner of the debt, a local Utility company. They have been accepting payments on this debt for months now, and it has been paid in full as of XX/XX/2019. While the full balance has not updated as yet, this debt collection company has no right to keep reporting an incorrect account on my credit report. I have been in negotiations with the original owner of the debt, and have been paying since XX/XX/2019. They have been willing to accept payments, and I have discussed deletion with them directly. I have no contract and therefore, nothing to negotiate with this debt collection company. Please delete this account from your records as soon as possible.
Consumer complaint received 2019-02-07
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. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings (MN)

( Case : XXXX-XXXX-XXXX-DAP Doc # : 91 Filed : XX/XX/19 ) : " What both the Receiver and the DOE did not know was that DCEH and Argosy  were altering their submissions to the DOE to reflect that the Student Stipend had been paid when in fact it had not been paid. Based upon these submissions, DOE advanced all of the students Title IV money. Once the money was received, Argosy and DCEH voided their bookkeeping entries that showed the student had been paid and paid operating expenses with the money rather than paying the Student Stipend. ''
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Georgia Student Finance Authority (GA)

Loan in reporting as late for XX/XX/2019 and XX/XX/2019. It should be covered by the unemployment deferment period. Acct number is XXXX
Consumer complaint received 2023-07-06
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. (MD)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

I pulled my credit report and saw that I have an account on my credit file from Enhanced Recovery Company account number is # XXXX with the amount of {$420.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
Consumer complaint received 2022-09-09
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.