davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX or XXXX has reported on my credit report over 4 times. I have asked them to remove the credit line reporting and they refuse. This is damaging my credit as others see this and might try to subject me to high interest loans.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

On XX/XX/year> I made a payment of {$820.00} and it said received, few days later it says payment reversal. I call aidvantage and they to cal my bank to see why it never went through. My bank ( XXXX  ) stated they never received a transaction from aidvantage. I called aidvantage back and explained what the bank said and the representative said they see I made a payment but couldnt tell me why it was reversed. Then I was told I was going to receive an email stating why. I Never received an email. I triple checked my routing number and account number which it was accurate and correct. All my other transactions and payments such as credit card bills and incoming checks from working are processing fine through the same checking account. 
Im thinking they are holding off my payments until they get interest. I am just trying to pay off my loans. Can someone please assist with this matter.
Consumer complaint received 2023-03-01
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. (AZ)

Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
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)

I have been trying to fix errors on my Experian credit report. I've sent them letter asking for help because the information they are showing is incorrect and obsolete. They send me letter saying that I need to contact the creditor which I did. The creditor never answer my letter and Experian keep saying that they verified the information as accurate. How could be possible when that information is wrong. The accounts of XXXX XXXX XXXX # XXXX and XXXX XXXX   # XXXX are showing late payments which is wrong I made all my payments on time. Also they are showing an acc of  XXXX XXXX XXXX # XXXX that I do not recognize and they refuse to send me proof of it.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-16
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2022-05-18
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. (TX)

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Auto Finance has reported inaccurate information to all three credit bureaus regarding a loan which was settled. 

I have made several attempts over the last few years, but I received no resolution. I would be on hold for unreasonable amounts of time or given the run around. 

According to the fair credit reporting act, if inaccurate information is discovered in my file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

They have left the note of being disputed on my credit report, but no resolution.
Consumer complaint received 2022-05-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

On XX/XX/2022, I sent a letter to IC Systems because I noticed a debt reporting to which I did not have any knowledge. I was denied the dunning period and the account was intentionally reported to my credit causing my score to drop drastically. My rights were violated because I was not notified of the alleged debt owed and when I tried to fix the issue, the debt was immediately transferred so that I could not even settle the debt, if that was even a possibility. 

Since I was not notified of the deletion, I checked a later report. I immediately contacted IC Systems XXXX, XXXX and XXXX by mail to make them all aware of the account being added without verification and the violations that occurred. At that time, on XX/XX/2022 I sent an invoice to be paid as a result of the violations and intentional and willful harm this unverified account caused me. I have included the tracking number for the documentation sent below on tracking USPS receipt. I was ignored again, same as before by senior management and the owner of the company. Below are a list of violations that occurred with IC System and still to this date, no true resolution has occurred as I was harmed intentionally and I do believe it was done so with malice and I am unable to get any communication from anyone. I do not believe they will communicate with me under any circumstances that are just between them and myself. 

Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Consumer complaint received 2021-10-29
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. (TX)

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SunTx Capital Partners (IN)

I applied for commercial credit..I was approved. Gave a deposit from my business account..when I got there it was a bait and switch.. 
FreedomTruckFinance and myself have been in disputes for about 2.5 years. 
I feel this account was fraudulent from the beginning. They never communicated properly. They repossessed a XXXX XXXX XXXX  reefer trailer and sold it for XXXX XXXX. They never sent me any paperwork. The refuse to this day to provide me any information. 
XXXX has apparently closed its financial doors as it already received financial assistance from the government due to XXXX and has just a few people trying to recollect old debt and still reporting as debt owed. I believe this company it fraudulent and has had back door deals with someone to purchase repossessed items fir pennies on a dollar. If this can't be resolved here I will seek to file a class action law suit. Thus company is working fraudulently in my eyes.
Consumer complaint received 2023-09-29
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. (TX)

Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

checked my credit report on XX/XX/XXXX found Caine & Weiner {$91.00} opened on XX/XX/XXXX. I do not have knowledge of this account and to please remove it from my report.
Consumer complaint received 2024-02-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

Immediate attention is demanded for the law enforcement agency documents submitted regarding XXXX XXXX ( Account : XXXX, Date Opened : XX/XX/2022, Balance : {$0.00} ). Acknowledge their origin, take appropriate action, and promptly delete the account, or face imminent legal action for negligence and disregard for the law.
Consumer complaint received 2022-12-16
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AR)

I had a debt with XXXX XXXX for cable a few years ago. All of a sudden, a Amsher collections services, was saying, I owe them. I never gave them my personal information or signed anything with their company.
Consumer complaint received 2024-02-16
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I applied for assistance from XXXX  XXXX XXXX, an HAF grant program, in XX/XX/2022 and was made eligible for assistance in XX/XX/2022. In order to receive up to {$40000.00} in assistance, Specialized Loan Servicing ( SLS ) signed a Collaboration Agreement with XXXX  XXXX  XXXX  on XX/XX/2022, and received credentials to send all necessary paperwork in by XX/XX/2022. 

I've spoken to SLS several times and received conflicting responses about my application; one person said they hadn't received the request for paperwork from XXXX  XXXX XXXX, and one person said they did receive the request from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX said they submitted all requirements and requests to SLS, so I don't why SLS has conflicting responses about my application. 

If SLS doesnt send the requested paperwork as soon as possible, the total amount past due will increase beyond {$40000.00} on XX/XX/2022, and I will be made ineligible for HAF assistance. Further, because Im in foreclosure, SLS pas a policy that wont let me make partial payments to the total amount owed; if SLS would let me make a partial payment, I can keep the total amount owed under {$40000.00} and XXXX XXXX XXXX  can bring the mortgage current. I have provided sufficient documentation to SLS to prove I can make regular monthly payments once SLS allows XXXX  XXXX XXXX  to pay the total amount owed.