davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 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. 16815-2 ( AX1 ) 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 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with CREDIT COLLECTION SERV plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-03-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (TX)

- Tried to set up automatic payments online, unsuccessfully due to a software issue that the mortgage company experienced. 
- Tried 3 times to set up automatic pay on the phone as customer service walked me through. Customer service should be able to check on their end once I had completed the task to see if it was set up correctly - The only notification of whether or not it is correct was a letter in the mail. 
- I had received letters prior but never receive one the last time I tried to set up auto pay with customer service on the phone - It is set up correctly with the same exact bank account information on another loan I have with united wholesale mortgage
Consumer complaint received 2022-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (RI)

On XX/XX/22 - I called Mohela at XXXX and was on the phone for 1 hour and 19 minutes. During that time, I spoke to one person who told me my XXXX employer certification was not qualified because the signatures were not legible. How is a signature legible? It is a signature. The form is attached and signed by the HR representative of the XXXX XXXX I have worked in for the past 7 years.These forms were already approved by my previous lender XXXX. I asked to speak to a supervisor and was put on hold for over an hour. Nobody answered and when I called back the call center was closed.
Consumer complaint received 2022-01-10
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. (TX)

This credit bureau is not following their fair credit reporting act obligation. They have not acted in a prompt or " Fair/Equitable '' manner. Over the past 12 months I have been requesting a removal and/or investigation on numerous fraudulent charged as it is well known with the IRS and the other 2 credit bureaus that my identity has been stolen. The culprit has even been found and is being criminally charged by the IRS CI. I have IRS contacts and references as well to back my claims as they contacted me and conducted an interview showing me the fraudulent accounts created under my name. The bureau has not submitted evidence of investigation by providing me with the names and address of persons contacted as requested as they only send the standard paper over and over saying that it is verified when these accounts ARE NOT EVEN VALID, nor have they removed the inaccuracies. They have failed to take care to maintain the accuracy, relevancy, and proper us of information of my file. I have already filed a police report and an identity theft affidavit as well. I have submitted a small claims petition myself and served the papers via certified mail to of I get no response, so now I've partnered with an attorney and intend to also file a complaint with the Subcommittee on banking, credit and insurance and my attorney state general due to the blatant disregard of the law with this bureau. The other 2 bureaus have fixed the problem on their side, there is no valid reason to disregard the law and for this long of a time period. I have records and paper trails of everything and am fed up, I intend to take this as far as I can fully-fledged and request compensation as well if these fraudulent accounts are not removed. Please remove these fraudulent accounts immediately. 


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 2023-01-12
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. (NM)

XXXX XXXX Balance on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXXXXXX XXXX XXXXXXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX XXXX Experian
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My vehicle was recked and declared a total loss. The insurance company and gap insurance paid off the majority of the loan. Due to the pandemic the claim and communication between all parties involved suffered delays and lack of proper communication. The loan holder Capital one. Did not provide an accurate payment statement reflective of the final amounts due. As a result I believe they wrongfully reported negative marks on my credit report. The final amount due as provided by capital one statement was XXXX. XX/XX/XXXX. At the point i made 6 monthly payments of XXXX dollars. and never received a statement reflective of those payments. thus leaving me with no proper statement to base my final fees due.
Consumer complaint received 2022-01-10
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. (NC)

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information.

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

On XX/XX/2018 and XX/XX/2018, a representative of XXXX XXXX XXXX , XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
Consumer complaint received 2023-01-12
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. (NM)

XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX at XXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX Equifax XXXX
Consumer complaint received 2022-12-02
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is removed. 



XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-12-02
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)

I reach out via phone around the beginning of this year to resolve all issues between me the CRA and my consumer report.Then I reach out via mail on numerous counts. Yet they have been very stringent on resolution. Ive made little progress with handling this issue on my own. I recently decided that my story needs to be heard and began seeking help with the CFPB. There are unauthorized inquiries and also names employers and addresses that should not be reporting to my consumer profile. This has hurt me in the past and now it is harming my family and livelihood.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX a card was opened with ComenityCB/GoodsXXXX for {$3100.00}, I received the alert to my XXXX account and began to take proper measures to freeze my accounts. I am making this report and I will be making a police report and calling XXXX and XXXX to freeze as well. This account was not opened by me and it is fradulent.
Consumer complaint received 2023-01-12
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. (NM)

XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? XXXX  % utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX XXXX balance on card is not updated,? below XXXX XXXX utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX at XXXX has been paid in XXXX! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at XXXX XXXX reporting agencies Trans Union XXXX XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NJ)

I have been in constant contact with Southwest Credit Systems and have formally disputed this collection attempt with them directly multiple times. Finally, I was able to get in contact witXXXX XXXX, the original account holder, who was able to give me a clearer understanding of what is going on. Southwest should not be reporting anything to my credit report and they need to remove whatever information they have placed on all 3 bureaus altogether. My XXXX  account is paid in full and was XXXX has confirmed the account is in good standing. There is no outstanding payment to be collected although Southwest continues to hound me regarding this. XXXX  has informed me this is illegitimate and that this needs to be completely removed. XXXX also promised that I would be removed following my final payment to XXXX directly. I have attempted to have XXXX conference calls regarding this issue with myself, XXXX XXXX and Southwest. They refuse to acknowledge the account is satisfied and in good standing with XXXX  They continue to be extremely predatory and continue to ask me to make payment on something that I have disputed multiple times with them. They have yet to check and verify with XXXX regarding this. I have contacted this company XXXX times since XX/XX/23. They have not returned any of my calls for the XXXX voice messages that I left with the Executive Relations department. They know that this debt is invalid and refuse to take action.
Consumer complaint received 2022-12-02
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 I have attached in my letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2021-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (WA)

I cosigned on a Wells Fargo Student loan for my son back in XXXX of XXXX. It is now 12 years later and my husband and I ate " future '' planning for ourselves, our kids & grandkids. 

My being a cosigner is having an impact on those plans. I requested my son ask to have me released. 

We received a letter by the new servicing company, XXXX on XX/XX/XXXX stating we were denied our request all because he made " one '' alleged, late payment in XXXX of XXXX ; over 8 years ago! 

I spoke with both a representative, XXXX and his Supervisor, XXXX by calling XXXX, today XX/XX/XXXX. 

Apparently because that alleged, late payment fell " just '' inside the first 24 months of the loan repayment origination date ; it nullified ANY future release of cosigner request. 

I was told mine and my son 's only options were to ask that they ( XXXX XXXX ) file a complaint on our behalf. Which is an internal conplaint and I'm not able to receive a copy of the filed complaint nor is it likely I will receive a response let alone the complaint actually be reviewed. 

I believe this regulation of loans prior to XX/XX/XXXX is not only unfair. It is extremely stringent, penalizing of those who have shown good, responsible repayment history and their cosigner 's ( over the existing, life of the loan ), it is out of touch with current regulations and must be changed. 

*Even someone who files for bankruptcy is forgiven and can start fresh after 7 years in most financial circles. 

Sincerely,