davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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. (TN)

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX  ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX   XXXX please remove this because the date of last activity is inaccorect
Consumer complaint received 2022-08-08
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-02-24
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. (CA)

I AM XXXX XX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XX/XX/XXXXand XX/XX/XXXXneed to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I sent a certified letter to Caine & Weiner requesting verification that I owed this debt. I never received a response and the account was removed from my credit reports. 
the account has been re added without proper notice and without ever properly providing verification as requested.
Consumer complaint received 2020-08-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ok and thank you-i applied for a credit card through XXXX XXXX for a capital one credit card to help me with getting my credit restored. Its is not XXXX XXXX who is the problem but Capital One-OK they gave me a credit card in XX/XX/2020 for {$300.00} and they said if I am faithful in using my credit wisely and paying on time i will get more credit at the end of 3 months. at the end of there time line they said i am doing great they gave me now a {$500.00} credit with a 24 point boost with XXXX. A couple of weeks ago i used my credit on purpose with the intent of paying them before the Auto deduction from my bank acct. That's what you are suppose to do use the card and the credit they gave you and pay them back immediately which will show the Lenders that I CAN BE TRUSTED. " Well they did not like me using {$110.00} of my {$500.00} and they decided to take away 14 points from me. O they gave me reasons of which i don't understand a lot of double talk. I AM TRYING TO BUILD MY CREDIT NOT KNOCK IT DOWN BY BEING FAITHFULL AND HONEST WITH THE LENDERS. WITH THIS CREDIT REPAIR SYSTEM YOU WILL NOT WIN BUT LOSE AND THEY WILL DESTROY YOUR CREDIT AND BEFORE I CAN MOVE ON AS I SEE THE " light '' THEY ARE SHOWING I NEED THIS FIXED. 
The credit card company is Capital One -- associated with XXXX.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (OH)

My identity has been stolen and NetSpend a XXXX XXXX company does not do verification of account opening and someone opened XXXX debit accounts in my name last year. I froze my credit for a year and what do you know a year later a new account was opened in my name and I just received the confirmation details in the mail. Banks like this need to be shut down and have controls in place to open legitimate accounts only.
Consumer complaint received 2021-10-14
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. (NC)

To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry  from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CT)

money lion lender app reporting late payments to my credit this company would not accept payments from my XXXX XXXX  or XXXX XXXX  app so company can not report me late or delinquent when they dont accept my payments from my bank please remove
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Consumer complaint received 2022-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Sls llc started to service both first and second mortgage, within 90 days of each other 2016 ish at that point. Problems were.lapse of insurance to they wanted me prove what kind of mortgage Ie a fixed rate for 2 second mortgage with no fee being they bought it months after in-house refinance happen with detect They won't let me talk about my second mortgage til I fix my first one, when I did they want all up front with fees, That was unrealistic to ask imo, So now that I stay up date with first it got sold to sps llc , and now they " refinance " my second with all these fees.in it again, Plus they are charging me a second escrow every month which keeps changing... 
I told them to see the date of deet of trust to see who the first and second mortgage are. But they weren't having it said once again I have to send in.more paperwork... 
In times.my 2 mortgages can be almost XXXX dollars and the loan .not sure y I have to again for the tenth time about the loan... 
And the fee are wow
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent number emails and I called XXXX XXXX XXXX. I called on XXXX the XXXX XXXX to advised that my loan was not being reported on my credit report at all. The Loan has been active, current and paid as agreed since XX/XX/XXXX. ( FCRA ) Fair Credit Reporting Act of 1970 requires creditors to provided accurate information listed on the report report. Its really simple I'm paying on time and it is not being reported accordingly.
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (AZ)

To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX-XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-08-27
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: Bridgecrest Acceptance Corporation (NV)

I NEED COMPLAINT XXXX REOPENED This is NOT ok I have yet again called BRIDGECREST. Time and date stamp before their phone hung up on me : XX/XX/XXXX XXXX total of 14 min. 

Provided the information THEY asked of me to do in the previously filed CFPB complaint XXXX which was call them. Got some poor girl who answers calls, she listened to why I was calling, placed me on hold to speak with the Debt collection department. I assumed she was transferring me, she did not. She got back on the phone to say, they needed my updated address because the letter they mailed was sent to the wrong address. ( funny because I moved XX/XX/XXXX and have mail forwarding. I also just recieved a letter from them today dated XX/XX/XXXX for unknown reason.i will scan and upload here ) I again let her know that I was calling because THEY wished I call them again and the CFPB NOTE to speak them about a removal of the account in question for an goodwill gesture was from a XXXX XXXX She attempted to research their employee directory for this individual and said she doesnt exist in BRIDGECREST nor XXXX. 
So then I asked if she could just transfer me to that debit collection department that I kept being placed on hold so she could attempt to get an answer. I was told that they do not take public phone calls. THIS IS WHY CALLING THEM IS IMPOSSIBLE AND ITS EASIER TO EMAIL AND MAIL CORRESPONDENCE.I HAVE EVERY SINGLE LETTER THEY HAVE MAILED AS PROFF THAT THEY ARE GETTING MESSAGES FROM ME. 

So now what? I have been lied too, cheated, and harassed by BRIDGECREST. I demand a letter showing the deletion of this account within 5 days, email and mailed, or we will be filing suit. XX/XX/XXXX for multiple FRCA violations. 

They have yet again received my address, and also have my email address since I have XXXX emails from them as well. But here it is again. XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX CDXXXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXXXXXXX Unverified Account XXXX XXXX-XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-28
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (FL)

My private information such as social security number to obtain another lease. I turned in my old lease in XXXX and and took out another which is listed already, but as of yesterday a new account has shown up in my credit. XXXX Honda finance is committing fraud with my SSN
Consumer complaint received 2020-08-27
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-09-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2020 I applied for a mortgage through Navy Federal Credit Union. I submitted all requested documents and 30 days later I have yet to receive a notice of denial, counter, or incomplete application. Ive contacted the company via email several times with no success.
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on my credit report.
Consumer complaint received 2020-08-27
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)

Experian dispute did not remove XXXX XXXX from my credit report. This company was paid, given their property back and included in a bankruptcy and they are still showing I missed payments. It should show never missed a payment