davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2020-10-22
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. (IL)

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in my credit report.
Consumer complaint received 2018-07-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (NJ)

I entered into the Term Rate Modification program at Sallie Mae in XX/XX/2018. This was done over the phone with a loan modification representative. I gave all of my financial information ( current income, personal expenses, checking account balance ), as well as my mother 's information. She is my co-signer and has been helping me make payments until I find a job. We were told by the representative that my monthly payments would be lowered to {$300.00} per month, to be allocated to two loans, # XXXX and # XXXX. This payment plan requires three " good faith '' payments before official enrollment. I was told I would continue to receive notices of delinquency until all three payments were made, and the representative told me to ignore them. These payments were made on time, automatically taken from my mother 's checking account, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In early XX/XX/XXXX, I received a letter of delinquency that threatened negative consequences to mine and my mother 's credit score. I called Sallie Mae right away and was told again that I should disregard all communications from the company about my loans being delinquent. The representative assured me that the delinquency would not be reported to credit agencies as long as all three good faith payments were made. I was called again on XX/XX/XXXX by XXXX XXXX ( XXXX ) at Sallie Mae to inform me that my payment plan was now invalid. After calling back, I was unable to reach this person and spoke to a resolution specialist named XXXX, who assured me Sallie Mae had made a mistake in not validating my payment plan, because every good faith payment was made on time. This person once again assured me this would be fixed, the payment plan would go through, and that my credit would absolutely not be affected. Today ( XX/XX/XXXX ) I checked my credit score and Sallie Mae has reported two instances of serious delinquency in my credit history in the last two months. This has greatly affected my credit score, which is now in the 560 range. 

Going through my online correspondence, the only written record Sallie Mae has provided of me entering into this payment plan was sent to me only days ago, on XX/XX/XXXX. Quite conveniently, this letter states that my credit can be affected during the good faith period. This contradicts everything I have been told, on multiple occasions, by Sallie Mae representatives. I understand from speaking with them on the phone that every call I have made about this is noted in my account file and calls are recorded. I made the huge mistake of believing them when they repeatedly lied to me about reporting to credit agencies, so I did not keep my own records and now have no proof that these communications happened other than what is in my file at Sallie Mae, and the letter I received on XX/XX/XXXX.
Consumer complaint received 2022-05-03
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : DPT EDXXXX XXXXXXXX XXXX DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXXXXXX, DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (UT)

Specialized loan Service is reporting a late payment on my credit file on XX/XX/XXXX. Due to unforeseen circumstances surrounding the pandemic of COVID19 & the lack of hours provided by my employer, I was severely financially impacted. I have had this account since XXXX and I have NEVER been late. Unfortunately, this pandemic was unforeseen by this country and it's pretty sad that after such a long time in good standing and making my payments on time you would report a late payment caused by natural disaster. I plea with you as a one time courtesy to remove this late off my credit file.
Consumer complaint received 2020-10-22
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. (AL)

My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX  : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.
Consumer complaint received 2018-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (PA)

I have taken a loan from this company called inbox loan. The loan amount was {$500.00}. Im am being told that despite my biweekly payments. Im being charged daily fees that in order to pay this loan in full will be in the amount of {$1400.00}. 

Please help me to get pay this loan off and be free and clear of this debt. This company is obviously charging me more money that what was borrowed.
Consumer complaint received 2020-10-22
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. (SC)

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT EDXXXX : XXXX DPT ED/XXXX : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX we called Bank of America from XXXX XXXX XXXX to get my credit card number and pay off amount so that I could do a balance transfer. I was told by XXXX that our pay off amount was {$14000.00} so XXXX at XXXX submitted the balance transfer for us. Now Bank of America is trying to collect an additional {$260.00} from us. Today XX/XX/XXXX I called and talked to XXXX XXXX who told me she saw in the records that we had called and were told to call back when the balance transfer posted so that Bank of America could waive any fees that may have happened during the balance transfer transaction. WE asked to talk to a supervisor XXXX handed us off to her supervisor XXXX XXXX who then tried to collect the {$260.00}. We told her that we were told the fees would be waived. She then told me she would need to call me back.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo handled my car loan and my mortgage. when i lost my job of 30 years and took an XXXXXXXX dollar an XXXX paycut i called them to try to get some help. i was denied several times, charged outrageous fees... mistakenly reposessed my XXXX. When i finally sent in paperwork to modify my mortgage they promised to work with me... .told me NOT to pay my mortgage because i had to be overdue to get help. then when i finally heard from them it was FORECLOSURE PAPERWORK!!!! i lost my mind! Over the course of six months they led me on ... .took forever to get back to me ( i saved every email ) then sold my mortgage without telling me. they are awful people and shady business i heard about the law suit and wanted to know what i had to do to be included. I have receipts for all my complaints!
Consumer complaint received 2020-10-22
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: Synerprise Consulting Services, Inc. (TX)

To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (FL)

My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. 
I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NJ)

XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners.

I never had any visit or relation with this company.
Consumer complaint received 2020-01-28
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)

XXXX XXXX has put this debt on my credit multiple times. I found the last complaint with the CFPB involving trans union that resulted in the removal. Complaint ending in XXXX. At that time XXXX XXXX did not supply Trans union with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. XXXX XXXX has a history of putting incorrect information on peoples credit reports which can be found at this link https : XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from trans union that they did not see the account reported any longer. XXXX XXXX, if you have re reported again, please comply with the law and remove effective immediately.
Consumer complaint received 2020-12-13
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: Resurgent Capital Services L.P. (OH)

A fraudulent derogatory account remains on my credit report after repeated attempts to have it removed. I have never conducted business or come into any verbal or contractual agreement with LVNV FUNDING! Per FDCPA XXXX5 USC1692, I demand these accounts to be removed from my credit report, as it is illegal and slander. LVNV FUNDING Account numbers : XXXX account XXXX. I am constantly harassed, with false lawsuits, and constant phone calls! I cant hardly cope with life because of this erroneous defamation of my character and threats to my livelihood! Help me please! Sincerely, XXXX XXXX
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute with XXXX about a account being reported by XXXX XXXX/XXXX  XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. XXXX Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from Tenant Tracker stating I needed to contact XXXX XXXX but they are the same company according to the XXXX XXXX XXXX in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between XXXX  and Equifax are different also it is Reported under XXXX XXXX on XXXX but XXXX XXXX  on Equifax and XXXX  this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/XXXX and XXXX XX/XX/XXXX there is no way this collection account is valid as I am in no way tied to this debt.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

That put another company information on my account my business is XXXX XXXX XXXX XXXX Not XXXX XXXX there is no grand fathering in my company please have that company removed and the trade line thats involved and correct my information and trade lines
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I can not contact Experian to remove my freeze. Calling the following number does not give me an option to remove a freeze. I tried to remove it online, but that does not work for me. I mailed my information into them, but now I have no idea if there is a freeze on my account.
Consumer complaint received 2022-05-03
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-22
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. (CA)

I have sent numerous dispute letters to Experian regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XX/XX/XXXXhas gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days means these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (TN)

I recently sent a letter to XXXX XXXX XXXX making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

Thank you for your help.
Consumer complaint received 2022-05-03
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)

accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction