davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

opportun is falsely reporting my acct. on XXXX my credit report indicated that my balance increased between XX/XX/XXXX and XX/XX/XXXX and that my balance increased from {$490.00} to {$510.00}. Also that I am 30 days behind. This is incorrect. 

I made the following payments {$100.00} on XX/XX/XXXX, {$50.00} and {$14.00} on XXXX. Between XX/XX/XXXX and XX/XX/XXXX my balance should of been around {$390.00} not {$510.00}. 

I spoke with A mgr at ( XXXX ) XXXX on XXXX who informed me that they report a month behind and that my report is reflecting data from XXXX. If thats the case then why does it state between XX/XX/XXXX and XX/XX/XXXX. 

I did dispute through the credit bureaus and Oppprtun indicated it was correct. 

Please have this investigated. 

Thank you
Consumer complaint received 2022-09-27
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This loan was cancelled via a provision in the Think Finance Class Action settlement agreement. Additionally, I received a check in the amount of {$16.00} to cover excess interest that had been charged. That said, the amount was so insignificant I forgot about it. The check was misplaced and I was unable to cash it before it went stale. However, I've since located the check and it is included here as proof of my membership in the " class '' and proof of loan forgiveness. I've shared this information with the creditor, XXXX XXXX, and the credit bureau, Transunion, in numerous attempts to have the information deleted - all to no avail. The willful error has cost me time and money and has been a hindrance to mortgage acquisition during the pandemic. I've lost numerous opportunities to realize the American dream of home ownership due to the willfully erroneous reporting. Enclosed please find 1 ) the settlement check from the Settlement Administrator, 2 ) the loan forgiveness provision contained in the court approved Settlement Agreement, 3 ) communication between myself and a XXXX XXXX representative.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/2022, I applied for an American Express Gold Business Card. I was denied because they reported that I had previous credit cards that were in collection status. In XXXX I conducted a fraud complaint regarding the business card denial with the American Express fraud security department. In XX/XX/2022, American express fraud department confirmed the fraudulent accounts, yet refused to grant the card. I was instructed to reapply. I voiced my concerns that the re-application would cause damage to my credit score based upon the repetitive application for the same card, despite American Express 's confirmation that their denial was based upon incorrect information that was initially acknowledged prior and during application for the business Gold card. American Express engaged in discriminatory practices with the denial of the Gold card, based upon the fact that the applicant is a Veteran and minority business owner and the denial for the Gold Card was based upon a denial factor that the issuing company verified was fraudulent at the time of application. Since the issuer confirmed that the sole reason for the denial was found to be fraudulent ; then this applicant ; like those like him would have qualified for the Gold Card initially. Under normal circumstances, there would be no reason for a reapplication and an identical credit score pull would not be required.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : PXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of XXXX my car was repossessed a day before XXXX. I had no knowledge this going to happen. I was experiencing a financial hardship due to my recently finishing school so I was not working full-time. I had called Capital One and explained this and they first tried to assist me but this was a difficult time personally and financially. When they took my car, I was devastated and it really took a toll on me but to make matters worse customer service was very rude when I tried to find out where my car was to get my personal belongings out of it. After some time went by I tried to resolve this matter but my car has been sold. I was never sent a letter about a auction, I was never given any information on how to get my car back. One day a customer service rep called me and stated that the remaining balance on my car was XXXX. I asked her to send a breakdown of this bill, she never did. I also asked her when was the auction held and why wasnt I notified, she was very rude and never answered my questions. After that I checked my credit report a few months later and the charge was there. I never got a bill! My XXXX kids and I had to walk and catch the bus for 2 years as a result of this. I tried to reach out to Capital One and they will not provide the information or take it off my credit report with XXXX  and XXXX. They are actually still reporting it late! 37 late payments but I dont have the car and the account is closed. It also states that I am being charged interest and that I made a payment in XX/XX/XXXX which I never did because I never received any further correspondence. I am respectfully requesting that this account be removed from my credit profile immediately as I have tried to resolve it with Capital One Auto and still no resolve.
Consumer complaint received 2020-07-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know XXXX call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after XXXX, the collection agency began to call my job and talk to everyone about the debt. XXXX only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet XXXX continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit  plan as late for any purpose. 

XXXX XXXX XXXX  Credit card Late months reporting on my credit report : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Capital one Auto Finance Late months reporting on my credit report : XX/XX/XXXX Capital one credit card ; XXXX XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX and XX/XX/XXXX Late months reporting on my credit report : XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IN)

I have contacted the bank for over a month. The loan holder passed away on XX/XX/2020. I am the confirmed successor in interest of the home. 

I first called their loan servicing company on XX/XX/XXXX to explain that the homeowner had died and that I was inheriting the property. They in turn immediately filed for a foreclosure sale, knowing that ownership had already transferred to me. 

It took them a month to confirm me as the successor in interest. I have filed loss mitigation papers and they have given many excuses, including, I must assume the loan in order to be considered for loss mitigation. I have informed them over and over that I am able by law to make modifications without assuming the loan. This is my legal right. The bank refuses to do so.
Consumer complaint received 2020-05-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (GA)

I Sent Bridgecrest a letter Of Validation On A Account They Trying To Collect On Over 30 days Ago ... .Bridgecrest respond to the letter With A COPY OF A CONTRACT which Is Not What I asked..I Was Asking Them How Did They Come Up With The Extra Money They Trying To Collect From Me .... ( I Will Enclose A copy Of The Sample Letter I Type Out ) ... .They Didnt Do Anything I asked Of Them INCLUDING DO NOT CONTACT ME BY PHONE ... I Asked Them To Contact Me Through Mail ... They Cant Prove To Me Where This Money Coming From, This Car Is PAID IN FULL, I Begging Them For Proof Of This Money They Saying I OWE ... They Reporting Two different Totals {$3.00}. & XXXX. On Different Credit Bureaus ... But wont send me anything saying How This Possible..They Violated By Calling Me Repeatedly When They Were Asked NOT TO CONTACT ME BY PHONE
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (PA)

On XX/XX/2023 I sent XXXX an identity theft reporter and ask them to look into information on my credit report that was fraudulent. Equifax has yet to block information I requested. Its been more than 4 days to which I have yet to get a response or notification acknowledging my complaint, violating FCRA under 15 U.S. Code 1681c2 ( a )
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Independent Mortgage Corporation (AZ)

I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through. 

I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.
Consumer complaint received 2020-05-07
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)

Experian should not be reporting a collection/charegeoff in the amount of {$980.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, ever had a charge card with XXXX. I have contacted XXXX and spoke with XXXX a representative for XXXX his ID number is XXXX. XXXX tried to locate my account using my full legal name and social security number and he was not able to locate any account under my name. He did locate another customer with a similar spelling to my name however the social security numbers were different. This false reporting of a collection/chargeoff account that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau, as well as, XXXX to remove this however, I have not been successful.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

I received an alert today from XXXX Credit Bureau to advise me that there was a change to my credit. Once I logged on, I discovered 2 unknown collection accounts on my credit from Law Offices of MBA??? My credit report further states the date of services or the day the accounts were opened was XXXX and its for a company called XXXX XXXX. My complaint is that I have never received a collection notice from this company before. I also have health insurance and I have not been to the Dr. this year so far.- I don't know what this is for. I have also been a victim of Identity theft they can check with the FTC or the bureau. I have a police report on file.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (OH)

This is the 3rd time I have filed a complaint over this account that was with another company. Please delete this fraudulent account from my credit report from COMMONWEALTH FINANCIAL {$810.00}. I will file a LAW SUIT if they do not remove my name and personal information from their ( COMMONWEALTH FINANCIAL ) database. COMMONWEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative ZOMIE account information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMONWEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

I had a credit card with XXXX 's that was opened in XXXX. XXXX Charged the account off and sold it to a debt agency by the name of Resurgent. However, both XXXX and Resurgent were reporting to the credit agency. One, under credit cards and the other under collections. I've never received mail correspondence from Resurgent about this account and as of XX/XX/XXXX the balance has gone up, when it was a different amount just a week ago. The balance owed has gone from estimated {$2100.00} to now {$2400.00}. I have no idea why