davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My husband and I are applying for a home equity loan. XX/XX/XXXX Property Report shows judgement on XX/XX/XXXX Capital One Bank {$800.00} in my name XXXX XXXX. 
We filed Chapter XXXX bankruptcy XX/XX/XXXX Listed on the final report and account is Capital One Bank ( secured ) Our case  was completed on XX/XX/XXXX. 
We received a plan completion report on XX/XX/XXXX stating that the Trustee has received enough money to pay ALL claims to the fullest extent required by the confirmed plan and other orders of the court. 
I called Capital One bank explaining this to them, asking for a letter of release, proof of paid, something ... .anything so that we can file it and also give a copy to our loan officer. They informed me that no accounts with my SSN were in their records so they asked me to go through this huge long process with their Credit Dispute Dept. 
Send a letter backed by documents which will take up to 30 days to process then 14 more days to receive a letter of their decision. 
Please Help!!!!!!!
Consumer complaint received 2021-03-29
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: CURO Intermediate Holdings (DE)

Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX filed complaint XXXX but the attachment was too big so have scanned it into 3 attachments plus the letter with the pile of documents recd from Bank of America 's bankruptcy and state case XXXX -appeal XXXX attorneys. 
First the state cases where BoA attorneys filed appearance for Government National Mortgage Assoc, FHA and XXXX  an electronic tracking system to get case dismissed using the federal agencies as credibility. Federal agencies use US attorneys not bank paid for private attorneys AND as for the HAMP modification sent by Bank of America to modify their forged FHA mortgage -- in the letter dated XX/XX/XXXX you have 14 days from the date of the letter to call XXXX XXXX-she will answer any questions XXXX XXXX a computer answered number that bounces you all over the country you can fax an appeal to the amount of the payment. Letter date XX/XX/XXXX plus 14 days = XX/XX/XXXX problem? it was received Sat XX/XX/XXXX with XX/XX/XXXX as the deadline to sign or it is void. no wonder 88 % of BoA modifications do not go through -- more money to foreclose and FHA will pay on the insured mortgage except my FHA mortgage is a forgery found in an $ XXXX pool sold to XXXX XX/XX/XXXX I am also attaching what was filed in court. XXXX will be interesting to see the Court 's reaction when XXXX Judges find out BoA attorneys manipulated them.
Consumer complaint received 2023-02-02
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I requested a re-Investigation under the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D to provide me the name and business address of each individual with whom they verified with on my orginal request to investigate my dispute dated for XX/XX/2018. 

I received a responce back asking specifically why I should have the original items re-investigated which its clearly my consumer right to have a re-investigation if im wanting mnore information abouit there first investigation. Please see all letters attached including Experians recent Stall Letter to not investigate my disputes when requested.
Consumer complaint received 2022-07-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account 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 2023-05-16
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: OneMain Finance Corporation (DE)

today XX/XX/16, I seen an inquiry on my credit report from main financial. Not only was I not looking for a loan, my phone is getting several messages from loan companies as well as my email. When I called they stated that I asked for a {$2000.00} loan, however they only have my name and number in their system. This is fraud and it was not me.
Consumer complaint received 2023-02-18
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)

XXXX XXXX is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-17
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: VW Credit, Inc (CO)

On XX/XX/2018, I sent the attached letter to VW Credit Inc. as a  formal dispute of erroneous information on my credit reports. I clearly outlined specific errant information on each trade line with official screenshots from XXXX, XXXX, and XXXX. The letter was sent via XXXX ( Tracking number XXXX ). I verified that the item was received. Additionally, I received a phone call from a VW Credit supervisor confirming receipt and asking to discuss the matter. VW Credit has had sufficient time to mark my account on each of my credit reports investigating my dispute, however this has not taken place - despite the clear evidence of outlined errant reporting and inaccuracy. I don't understand why they are not abiding by the FCRA by marking my accounts in dispute. I don't wish to discuss the matter over the phone and prefer all communication in writing to ensure I have a clear paper trail.
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I have in collections a debt that is not mine, i have been having identity theft issues since 2018. 

Resurgent receivables LLC is the debt colector for XXXX XXXX  bank. Who i supposably owe {$860.00} reference id is XXXX. I am not responsible for this account, Neither did i approve ant transaction under my identity. 


Please remove.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I demanding a deletion of the following account : account name : XXXX XXXX XXXX account number : XXXX
Consumer complaint received 2021-03-29
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. (MA)

Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now
Consumer complaint received 2023-05-25
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX 2019
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IN)

This account is from XXXX and they keep reporting it as new. They reported it last on XX/XX/XXXX. They are saying that the account was opened in XXXX and it definitely was not, it was XXXX. 
The amount is {$1200.00} and its negatively affecting my credit score when it should be gone.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (HI)

1. I attest that I am XXXX XXXX writing this alone from research I have done online. 

2. This complaint is based on METRO2, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how XXXX, XXXX, and XXXX are reporting harmful information supplied by XXXX XXXX. 

3. XXXX XXXX is a debt collector by file standards. Laws prohibit DC 's to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual.

4. Metro2 file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or IUnpaid Collection pay status. 
Account Type Codes 48 Collection Agency/Attorney 77 Returned Check 0C Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. Thus I have been denied credit several times and the creditor attributes this Debt Collection Account from Midland as being recently past due, however past due is reserved for credit grantors. 

6. In XXXX  Credit Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. Also other irregularities are " Terms 1 month '' and A payment account history from XXXX XXXX with high balances reported, scheduled payments reported, with fictitious balances. A copy of these irregularities is attched, XXXX Report number XXXX, pulled XX/XX/XXXX. 

7. In XXXX Credit Report, XXXX XXXX reports as an " Other '' account instead of the designated Collection Account, and can not according to Metro2 - as this data is not expected to be sent by a debt collector on this industry standard file. Which leads to other irregularities on file from misreporting such as a debt to credit ratio of 100 %, Midland is not a creditor. Also reports as a Loan, and as Retial Creditor classification, and reports an amount Past due. All of this reporting is not to industry standards and has negatively affected my credit and ability to seek credit. This is from XXXX Report # XXXX Date XX/XX/XXXX 8. In XXXX  Report, The XXXX XXXX account is designated as a " Open/Installment/Revolving - Other ACCOUNT TYPE and can not beas this is not standard. This debt collector continually reports to XXXX " Opening '' the account and closing the account for past several months since I started disputing this information. 

The following : INFORMATION ONLY FROM METRO2 -- -. The following fields are not applicable and may be blank- or zero-filled : Credit Limit Terms Frequency Scheduled Monthly Payment Amount Payment Rating Original Charge-off Amount To be brief this is only the beginning of my complaints against this debt collector.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1600.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A 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 15 U.S.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe tht the information is inaccurate
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX has deleted mentioned account. Experian is reporting date filed on XX/XX/2015, while XXXX is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, Experian reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. I received a notice from the US Bankruptcy Court ( XXXX New York ) stating " the court is not associated with credit reporting agencies. What is included or expunge from a credit report is determined by the consumer reporting agency itself, not the Court. '' See attached documents. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX