davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (AZ)

was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately.
Consumer complaint received 2022-12-04
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: CAINE & WEINER COMPANY, INC. (NC)

Credit reporting improper use 15 US 1681 section 2 states I have the right to privacy In accordance with the fair credit reporting act XXXX has violated my rights.

15 US 1681 section 2 states a consumer can not furnish a account without my written permission 15 US 1666 B : A creditor mXXXX not treat a payment on a credit card account under any circumstances.
Consumer complaint received 2022-03-11
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: Affirm Holdings, Inc (MN)

I sent over a letter to this company by the name of XXXX XXXX that I kept getting emails from stating that I owe an balance on an account that I have no knowledge of. When I clicked on the email it brought me to a website showing a balance along with phone numbers to reach out to. I asked them what is this about and why is it saying I owe a balance .When I called the number they informed me that I would need to speak to AFFIRM. I then had sent Affirm a letter on XX/XX/XXXX requesting more information to validate this account for me. I waited and never received anything in the mail, they sent me a email instead on XX/XX/XXXX with just amounts and loan balances. I then sent them letter out on XX/XX/XXXX stating that they still have not complied with the FCBA. They only forwarded a portion of the documentation requested and required by the FCBA. I sent another letter on XX/XX/XXXX requesting for the 3rd time and it is now XX/XX/XXXX and they still are reporting this account, which has been detrimental to my credit report! I am requesting that they remove this account and delete it from my credit reports immediately. This is a serious matter and very sad that I am being affected and haven't been provided any documentation or even a response in over two months.
Consumer complaint received 2022-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (CO)

I have already submitted a complaint ( XXXX ). In that complaint, XXXX stated since I applied for loan forgiveness with ACS, they can not speak to the information they provided. They also stated that my XXXX XXXX loan was originated under the Federal Family Education Loan Program ( FFELP ) and was never eligible for this forgiveness program. That is false. On the website, https : //studentaid.gov/articles/teacher-loan-forgiveness-options, it directly states that teacher loan forgiveness Forgives up to {$17000.00} of your Direct or FFEL Subsidized or Unsubsidized Loans after 5 complete and consecutive years of teaching at a qualifying school. Since ACS/Conduent Education Services , LLC ( CES ) has closed down due to faluty practices, who do I contact about getting a restitution payment for the {$17000.00} I am owed for teacher loan forgiveness? From my research, I have learned : Conduent, formerly known as ACS Education Services, is no longer servicing student loans and The CFPB ordered the company to correct unfair loan servicing practices by adjusting principal balances and repaying affected borrowers. Thank you.
Consumer complaint received 2022-07-21
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)

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$670.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX and XXXX and I am including these accounts again.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery placed a negative remark and debt collection on my credit report in XX/XX/XXXX. Since I am not indebted to them for {$6100.00}, I sent their registered agent, XXXX XXXX XXXX, a debt validation letter. They received this certified letter XX/XX/XXXX but have not responded to it nor have they stopped collection efforts - their negative remark is still on my credit report. Per FDCPA federal law, it is unlawful to report a debt without first validating it and further, collection agencies are required to provide debt validation when asked and to cease collection during that time. Portfolio Recovery is expressly in volition of 15 USC 1692g and has provided me with legal standing to sue if they do not act in accordance with the lawful.
Consumer complaint received 2023-01-28
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. (LA)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I received a copy of my Equifax credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Management composed a letter XX/XX/2022 stating that they had acquired an account from a company that I owed. Midland  violated my rights according to the Fair Debt Collection Practice Act because they did not include in that letter, nor did they send a letter within 5 days that stated : Section 15 USC 1692g ( a ) ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor I have enclosed proof of that letter. 
I, in turn, sent them a letter stating that they violated my rights and what section that they violated. They sent me another letter and that letter also did not have those REGULATIONS. 
This company is not abiding by the law and they continue to contact me, despite breaking the law. 

Date of first letter Midland Credit Management sent : XX/XX/2022. 
Date of letter that I sent to them : XX/XX/2022 Certified receipt from post office shows me mailing the letter on XX/XX/2022. 
The signed for the letter on XXXX. 
Date of second letter from Midland : XX/XX/2022
Consumer complaint received 2022-07-14
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. (GA)

When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (SC)

XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on XXXX and Experian it's showing XXXX. Also the date last active is different on all three.
Consumer complaint received 2020-12-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Multiple issues : 1. First of all, this is a commercial loan, held under my business. The mortgage servicing company, XXXX XXXX, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of 2020 due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the 1st 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with XXXX, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of XXXX  had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of XXXX  regarding the matter.
Consumer complaint received 2020-12-11
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (FL)

Have had a Fortiva Credit Card for about 8 years. Due to limiting spending activities due to the pandemic and inflation, the only activity on said card was XXXX, XXXX and the payment of a maintenance yearly fee on XXXX. On Wednesday, XX/XX/2022 I received an email saying my Fortiva account was closed due to inactivity. I called their center on Thursday, XX/XX/2022 for an explanation, After waiting for XXXX minutes for a rep, she finally answered, she barely spoke English, could hear me well enough to take my information and complaint, then she stated the call was " breaking up '' and she couldn't hear me and hung up.on me. So I immediately called back and chose the text message option, rep was named XXXX. He stated the account was closed due to inactivity, although I reminded him there had been 3 transactions in the past year, he stated once the account was closed, it could not be reinstated. Said " apologies '' End of conversation.
Consumer complaint received 2022-02-21
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. (TX)

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

im complaning because they have my money on hold and they are saying its idenity theft they are saying that somebody had stole my idenity my name is XXXX XXXX. and im having problems getting money off my debit card i have a chime card. u can reach me at my cell at XXXX please help me thanks and i like to report it
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

Caliber Home Loans is not following the provisions allowed under the CARES Act for my XXXX XXXX loan forbearance extension request. 
The end of my initial 180 day forbearance period is XX/XX/XXXX. I received a letter in the mail explaining my options ( dated XX/XX/XXXX ), one of which is an extension of up to 180 days. 
On XX/XX/XXXX I called Caliber Home Loans to request an extension on my forbearance for the full 180 days. I spoke with 2 representatives who both told me their system will only allow a 2 or 3 month extension. 
XXXX XXXX and the CARES Act make it clear that if an extension is requested is shall be granted to the borrower. I feel Caliber is not allowing me the provisions that I am entitled to.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (GA)

The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX