davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted XXXX numerous times explaining that the account that they are listing for XXXX XXXX XXXX and the inquires for Dept of ED, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Consumer complaint received 2019-10-07
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: Westlake Services, LLC (GA)

I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. 
XXXX XXXX : XX/XX/2018
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (WI)

Paid my bill 2 days earlier from my due date. I was saying ok i should have more money add to the principle. I look at the account only XXXX dollars was applied to my principal. I called ask how only XXXX dollars was applied. They told my after i made my payment last month. The next day it start collecting interest again. I told the lady thats illegal. They interest isnt supposed to start again until the new billing she told me no it start over the next.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX  immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.
Consumer complaint received 2022-06-30
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. (AZ)

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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2021-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several letters via certified mail to XXXX XXXX, Transunion, XXXX  and XXXX  regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from TransUnion, XXXX  and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on TransUnion the last pay listed as XX/XX/XXXX. Same account via XXXX  last pay listed as XX/XX/XXXX. And XXXX  last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX  updated payment history on XX/XX/XXXX and TransUnion on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, Transunion, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Consumer complaint received 2021-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX  XXXX Account # XXXX I was never late 30 days XX/XX/XXXX, 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

ALL 3 CREDIT BUREAUS REMOVED UNAUTHORIZED INQUIRES ON BETWEEN XX/XX/XXXX AND XX/XX/XXXX, BUT NOT HAVEN'T REMOVED THE ADDRESS I HAVEN'T LIVED AT AND SCHOOL LOANS I NEVER TOOK OUT. I AM VICTIM OF IDENTIFY THEFT AND SHOULD BE SUFFERING FOR SOMEBODY ELSE DOING ACCORDING TO The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Consumer complaint received 2021-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (OH)

Inquiries : Dates : XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to pull my credit report
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (NY)

On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX  for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX  at XXXX which I did at XXXX and was informed that they " XXXX XXXX  '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX  XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked XXXX call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX  back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to XXXX XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

These 3 debts were consolidated into one in the amount of {$510.00}. Debt is paid is full and still reporting on credit report. I spoke with the agent on XXXX, XXXX and XXXX and still no results.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On multiple dates since XXXX of 2020 I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently XXXX because of their negligence.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

the companies that are not responding are : SYNCB/XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XX/XX/2021,XX/XX/292021 and XX/XX/ to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Last XX/XX/XXXX when the Covid Virus hit, we learned that we could contact our servicer and ask to have our payments deferred if we were impacted by the virus. I called to asked to have our payments deferred because my husband was barely making 30 hours a week, we have 6 people in our house. We were making half of what we normally make. I was told I would have to prove we were having issues in making our payments. Sorry, I do not know how to do that, and they did not give me advise on how to prove it. So, we had to start making our house payments late. Finally in XXXX of XXXX I made my last late payment and have been caught up ever since. If they had deferred our payments like the President said we could, I could have refinanced late last year and had a good interest rate. 
In XXXX of XXXX I started looking into refinancing our home. Only to find out that Mr. Cooper did not report our payments correctly in XXXX. They reported it as a 60 day late instead of a 30 day late. I have been calling and calling to have them fix the issue. I finally got a hold of a manager and they put in an order to have it fixed. The kicker is it takes 30 days to get it taken care of. I also found out that they do not report our monthly payments till a MONTH later of being paid. So, if you make a XXXX payment it does not show up till XXXX. 
I feel my refinance is being held XXXX because NO one wants to do their job correctly.
Consumer complaint received 2019-08-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Under the FCRA Part ( A ) ( 5 ) ( ii ) all credit bureaus XXXX, XXXX, and XXXX failed to provide me in writing of any sort stating that old alleged debts would be permanently added to my credit report. They did not comply with 5 day notice actually zero notice.This has dramatically impacted my credit score and disabled me from rebuilding my credit.

They continue to add the alleged outdated debts to all my credit reports with zero notification and I am formally requesting that all credit bureaus follow the rules to protect us consumers and effective immediately remove permanently the alleged aged debts without providing any notification. They are both from Portfolio Recovery in two seperate amounts the first one being in the amount of {$680.00} and {$620.00}.
Consumer complaint received 2021-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i sent info to all 3 credit bureaus on a bank of america mortgage and they was all deleted around XX/XX/XXXX or XXXX but in late XXXX it was added back on to my credit and i didnt get an explanation why it was added back, i called all three credit bureaus and they gave me all the same answer, i must reach out to bank of america, i called 4 different numbers on it and all said they do not see a mortgage that i have, so they gave me a number to bank of america fraud XXXX it doesnt answer it goes to an answering service that take your statement, i sent mail to them stating i need the reason why you added a mortgage back to my credit and no answers back but a generic later stating they are working on what i need but no info on what info they have to add it back to my credit, so im writing you all because this is ( 1 ) Defamation on me and my credit ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Reporting ACT, on all 3 of my bureaus as inaccurate about the bank of america account, they all have different amounts, closing dates, and 30 60 90 days late is different on all 3 bureaus, and by law it has to be removed for inaccurate information, i want it done immediately
Consumer complaint received 2021-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

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 America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.
Consumer complaint received 2022-05-05
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. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # 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 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Dear, Im XXXX XXXX vet, on XXXX XXXX I purchased {$220.00} groceries of {$67.00} of sea food unfortunately they were expired on XX/XX/XXXX, the Tag shows sell by XXXX XX/XX/XXXX, on XX/XX/XXXX, i called the merchant XXXX XXXX XXXX XXXX and explained the situation I was told to bring the receipt and tag for refund also I told them I live 34 miles away and usually I shop once a month they said no problem we are very sorry and they will remove other expired sea food on shelves on XXXX XXXX I went there to get refund and shop but other manager stated no refund we dont refund after driving additional 68 miles, so I called XXXX Again he said if I FILE DISPUTE I will get my money back, So i filled dispute with PenFed about the charge {$220.00} a week later PenFed denied It without sending it to the merchant and no reason given so I called Penfed on XX/XX/XXXX spoke with XXXX XXXX she said they are so busy thats why they denied it but i will send an email to them to reopened and on XX/XX/XXXX after calling I was told my Dispute is not going to open but send email to card service maybe they reopened and get your money back, this is unethical and wrong since the merger PenFed service are in declined the dispute processes are different and not logical if they send my dispute I will get my money back. 
Thanks