davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
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. (MN)

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XX/XX/XXXX and no answer
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
Equifax states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Consumer complaint received 2022-06-24
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. (SC)

In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-07
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. (DC)

To whom it may concern I contacted XXXX XXXX, XXXX and Experian regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, XXXX XXXX, or Experian did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, XXXX XXXX XXXX Experian fail to uphold the FCRA and confirm the validity of this account
Consumer complaint received 2022-06-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

In XXXX of XXXX I lost my husband to XXXX XXXX XXXX. I was very overwhelmed not only by losing my husband but also by switching his military retirement and social security income over to me as a surviving spouse. I utilized the forbearance plan to try to get everything together and have a break from mortgage payments. I was informed that my forbearance was ending and I called Amerihome to explain my situation. I was told that due to the passing of my husband a form would be sent to the VA requesting an extension on my forbearance. I was also told that an extension would be 3 months. I went back to getting everything settled. I then asked for a partial claim from my lender and was told I was denied because it had been too long since my forbearance ended. I then spoke to a foreclosure attorney who agreed to help me. On XX/XX/XXXX they sent a letter to my lender and never received a response. Phone calls were made to my lender requesting a response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The refused to answer the letter. At this point, we are sending in the letter requesting research that was sent to my lender. They have not responded.
Consumer complaint received 2022-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CA)

Earlier in XXXX I enrolled in a program with Sallie Mae to forbear one monthly payment, and then reduce my monthly payments ( subject to re-negotiation ) for a period moving forward. I have proof of this agreement via a recorded call with a Sallie Mae representative. After the call, Sallie Mae refused to honor the agreement, and reported my account to collections, despite telling me I was in a one-month forbearance period. In addition to this mistake, they have called and emailed me 10 or more times a week reminding me to make payments, even though a payment is not due considering what was agreed to on the phone. I'd like to report Sallie Mae and their partners for predatory lending, misrepresenting loan information, and relentless reminders about loans being due, even when they are not.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was shocked when I reviewed my credit report and found late payment on my account I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-06-30
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-15
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. (MD)

EXPERIAN, XXXX  AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX  TO LEAVE INFORMATION BLANK AND INCOMPLETE. EXPERIAN, XXXX  AND XXXX  MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EXPERIAN XXXX  AND XXXX  PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. EXPERIAN XXXX, AND XXXX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (IN)

I was late on payment this month and received SEVEN calls in one day. I have also received 2 calls in the past hour alone this morning I has a similar situations with them last year and i told them this is harassment and a violation of consumer protections in debt collection. This many calls impedes my work and is unacceptable.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (KS)

Rent Recovery Solutions contacted myself and a family member by phone on XX/XX/2022. A dunning clause was included in the message indicating they were attempting to collect a debt. I sent written notice on that same day XX/XX/2022 limiting contact to mail and they proceeded to make contact by phone again today, XX/XX/2022. I also included in the written letter my mailing address and notified them I have not received any identifying information or notices from them. I still have not been given any notice or information either by phone or writing of any alleged debts. I have no idea if this company is legitimate or not, please advise me. The phone number I was contacted by is ( XXXX ) XXXX.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus are reporting a late payment on my credit report for the month of XX/XX/2022 on a XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only XXXX who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA
Consumer complaint received 2022-06-24
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. (FL)

In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-24
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. (FL)

In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had been browsing the internet and a servicman is eligible for help with Capital One Bank even if not presently serving the military but another alternative for a Veteran as myself but not approved after stating I would hear from the bank in days as approved but misleading not exactly stating in words. A Veteran is never to be denied a benefit when in need financially but I was by Capital One Bank. There was guarantee of financial assistance with Capital One Bank because of serving your country now disapproved. It may have been thousands of dollars offered which is needed but they don't want you to have the money offered an injustice to me as a Veteran and senior citizen of the United States of America.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (TX)

XXXX XXXXXXXX XXXX has had me in XXXX and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. XXXX  XXXX XXXX has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed XXXX  XXXX XXXX to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I am not reliable for this debt with Asset Care LLC from XXXX XXXX XXXX XX/XX/2019 in the amount of {$780.00}. I have never received any proof of service after sending a letter of verification.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

ORGINAL DEBTOR : XXXX XXXXXXXX BANK XXXX XXXX : PORTFOLIO RECOVERY ASSOSIATES, LLC Original problem- I paid XXXX XXXX Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to Portfolio Recovery Associate 's, LLC. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's. 

I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made. 

Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance. 

Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

About four weeks ago I called TransUnion about a credit account freeze and ended up subscribing to the TransUnion Credit Monitoring News Letter which I was told could be cancelled within 30 days with no charge. I quote from a letter dated XX/XX/2022 : " If you don't cancel your membership within the XXXX trial period ... '' On XX/XX/2022 I called TransUnion and in a completely garbled and difficult conversation with a service representative cancelled the Credit Monitoring Service and asked that a cancellation notice would be sent to me by mail. As of XX/XX/2022 I hadn't received a notice. So on XX/XX/2022 at about XXXX XXXX  I called again. The first person I talked with spoke with clarity and then transferred me to a person I could not understand because her speech kept breaking-up into unintelligent blurs. With customer service like this how can TU call itself anything other than a flop?