davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-05-02
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. (NY)

XXXX XXXX is reporting as 2 accounts once as XXXX XXXX XXXX on Experian and again on all three bureaus as XXXX XXXX XXXX  there should be one account name only. i have included the credit report and highlighted all inaccuracies. I have disputed many times and they still report incorrectly. XXXX XXXX  account is inaccurate across three reporting agencies
Consumer complaint received 2020-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO. (TX)

I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XXXX  credit monitoring that I was 30 days over due for XXXX. I went online that day to the Ford online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.
Consumer complaint received 2018-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I consolidated my loans in 2007 with the promise that if I worked for a non-profit for 10 years I would have them forgiven. XXXX XXXX signed me up for a loan that doesn't work for that program even though I had said at the time that I wanted to participate in the student loan forgiveness program. 

In XXXX I tried to have my loans forgiven and was told about it being the wrong type of loan. I reapplied for the correct loan and was approved. I also applied for Income Based Repayment. That application is supposed to take 3 weeks but it has been over 6 with no progress. I've called and emailed and heard that it was being worked on but nothing has happened. the people I talk to keep saying that they will expedite it but then I end up calling again a week later to find that nothing has changed. 

This process is confusing and annoying and I have to take time out of work in order to call and take care of the issues. It's very frustrating and they don't seem interested in doing their jobs.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item.  During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week. 

I asked for this information, which is my right, yet they have failed to provide me with any of the items. 

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.

2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service.

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.
Consumer complaint received 2024-02-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2019-08-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (GA)

I have a private student loan with XXXX XXXX XXXX XXXX XXXX formerly called XXXX. ( Now called XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXXXXXX the originator XXXX XXXX XXXX keeps saying I still owe money that I dont. I receive these every year saying I owe money I dont owe anymore.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (NJ)

Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), XXXX XXXX is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My TransUnion credit was XXXX and now in the 600s due to an account that was removed from my credit report and was replaced on my report again on XX/XX/2022. This is a discriminatory act that is happening. I already have an attorney for XXXX that is reporting incorrect information. XXXX is being sued for this same reason of inaccurate reporting and causing consumer credit denial. I was denied credit today because of this attack on my credit. I will also be contacting my attorney in reference to this discrimination of TransUnion. This is sickening and unjust. The account that was removed and now have appeared again is XXXX XXXX. This proves that the credit bureaus are as much as responsible for incorrect reporting. TransUnion should have reviewed my account history and saw this account was removed and therefore not replace on credit again. This is definitely another way of discriminating against individuals of other demographics. Do what they can to suppress others!!!! I will also be contacting the XXXX of XXXX. My voice and the voice of others who are experiencing this discrimination should be heard. This type of practice has went on for to long and need to be brought to the forefront.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NJ)

On XX/XX/2023 American Education Services ( PHEAA/AES ) reported false/incorrect information to the credit bureau causing a huge change to my credit rating. I contacted AES on XX/XX/2023 when I was made of aware of my credit score changing and they confirmed incorrect information was sent in error. I requested they send a correction immediately and they refused. I filed a dispute with XXXX on XX/XX/2023 and reached back out to AES to respond to the inquiry but they failed to respond to XXXX. 

This issue has caused my excellent standing to fall from an XXXX credit score to a now XXXX score. This issue was initiated by AES and they refuse to resolve this matter with any sense of urgency. Due to the negligence of this company my financial status with other accounts is now in jeopardy.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (GA)

Some time around XX/XX/XXXX. I purchased internet service from XXXX XXXX XXXX. They did not send all the pieces required for my modem to work. So I wasnt able to use my internet for the first week of purchase. I called and complaind about not receiving all the pieces for my modem. The XXXX XXXX XXXX agent told me clearly, since Im a first time customer and I didnt not receive everything in my box for my modem to work, its on them to send out a technician with that missing piece and to make sure my service start working. Its a self install kit so I didnt require a technician. The XXXX XXXX XXXX agent told me in this case I wouldnt have to pay for the technician. I ask her a couple times because I know the call is being recorded. But when I get my bill they trying to charge {$100.00} for technician. I thought I was deceived so I decided not to pay. I keep calling for weeks to get a manager to review my call because I was misinformed. So far to no avail. The next thing I know 2 weeks ago XX/XX/XXXX XXXX XXXX XXXX  hit my credit report for {$330.00}, for what, I dont know because I returned their modem. I was misinformed by the XXXX XXXX XXXX agent and I think its very unfair to pay for their incompetence. I did not ask for a technician, they decided to send me one. Please help me get this situation resolved ASAP. Its on my credit report.
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 — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-20
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2019-08-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (CA)

On XXXX XXXX and XX/XX/XXXX I went through a VA Loan process with DHI Mortgage of Texas and I was denied because of my XXXX status. 
Also, Lender Reps states my denial of VA Loan was rejected because it was also because of my filed and incircumstance Bankruptcy Chapter XXXX of XX/XX/XXXX and Foreclosure of XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX. 

In which Foreclosure was unlawful conducted by the Law Firm of the VA XXXX XXXX XXXX XXXX to protect the best interest of XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX  XXXX XXXX, New Jersey in which VA Loan and Appraisal value was inflated to make a huge profit over {$80000.00} for builder. 

In regards of this respectful complaint against DHI Mortgage VA Loan consultant XXXX XXXX stated to my Texas Real Estate Agent XXXX XXXX XXXX that my VA Loan wasn't going to be approved because of my Bankruptcy, XXXX Status and Foreclosure. 
My Real Estate Agent had to refer me to VA Lenders to support me in obtaining a loan and purchase of XXXX new construction inventory home. 
DHI Mortgage and XXXX has a business partnership and for me to get the incentives for cost of closing cost paid in full, Washer & Dryer, Stainless Steel Refrigerator and blinds throughout the house and motor for garage door with remote control. 
I would have to go through DHI Mortgage.to get all the incentives and 2.9 percent buydown. 

Did DHI Mortgage violated my ADA Disability Civil Rights Act under the Department of Justice. 
I appreciate the support of XXXX builder Rep Mr.XXXX XXXX in supporting me as a Military Veteran in getting me financial Assistance through Home For Heroes and Military Veterans Programs through XXXX incentives. 
But respectfully I need much more financial incentives assistance to purchase the home to keep mortgage payments affordable under {$1600.00} a month with property tax and home insurance and HOA dues included in escrow. 
Full closing cost paid in full by DHI Mortgage and XXXX and less money out of my pocket is what I need to be in prosperity.
Consumer complaint received 2024-02-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fradkin & Weber PA (MD)

On XX/XX/XXXX I received a call from my neighbor stating that a server was at my door, I was confused so I got on Maryland case search and I saw that I had a case judgement XX/XX/XXXX and then reopen XX/XX/XXXX for {$520.00} the address listed is an address I have not lived at for over 20 years which tells me this is a debt from when I was a teenager and I honestly don't know what it is because it's no on any of my credit reports. This company as sent a garnishment letter to my previous employer and I really want to know what RIGHTS do I have for a debt that is well over 20 years old?
Consumer complaint received 2019-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have disputed a XXXX XXXX account that's on my credit report for a Year an a half now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I have contacted XXXX XXXX and they are NOT REPORTING this Negative account. XXXX and XXXX have removed it 6 months ago. Experian have Not did a proper investigation end NONE of my disputes if they have they will know that this shouldn't be on my Credit Report. THIS IS NOT A DUPLICATE DISPUTE THIS IS A COMPLAINT ABOUT EXPERIAN NOT DOING A PROPER INVESTIGATION AND VIOLATING THE FCRA. I want it deleted within 15 days.
Consumer complaint received 2022-10-15
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: ENCORE CAPITAL GROUP INC. (NC)

Midland credit management balance {$130.00} XXXX XXXX XXXX balance {$110.00} In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-02
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. (NE)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX, 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 instructions
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MO)

On XX/XX/XXXX  I received a letter dated XX/XX/XXXX  from BestBuy Credit Services stating that I was denied a credit card that I never applied for. The state reason for denial is " Unable to verify identity information. '' I tried calling BestBuy Credit Services as well as CitiBank and could not speak to an actual person without providing an account number ( which I do not have ), or my social security number ( which I am not comfortable providing ). I am regularly checking my bank accounts to ensure there are no suspicious charges.