davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
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. (GA)

Every month of XXXX and XXXX. 
I have attempted to correct this on going problem. I have contacted XXXX Trans Union, XXXX, and XXXX XXXX to get this information removed from my credit file. Only XXXX took me seriously about removing the information from my credit file. I did not authorize any of these companies to place an entry from the US Courts on to the public records of my profile. I contacted the courts and they sent me a letter confirming that they DO NOT report to the credit reporting agencies. I did NOT give permission to XXXX or XXXX to sell, share or provide my information because of law in the FCRA this information needs to be removed. I have provided documentation and the laws but no resolution has occurred yet.
Consumer complaint received 2020-08-24
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. (GA)

I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

On XX/XX/XXXX : XXXX XXXX and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at XXXX in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at XXXX was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank manager stated that XXXX XXXX tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by XXXX Bank for the amount of {$1700.00}. I called XXXX XXXX and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to XXXX XXXX  was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, XXXX XXXX made an error and everything is all set. 
It has been almost 4 years, and XXXX XXXX  is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with XXXX which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of XXXX XXXX   showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020, I applied for a XXXX XXXX ( XXXX ) credit card, and Experian ( XXXX ) did not provide a credit score on my behalf, giving the reason that I had " Insufficient Credit Experience ''. While XXXX   generated my scores for the other credit reporting agencies, their omission of my Experian score resulted in me being denied my application. For several years I have been working to improve my credit scores, but it appears that my efforts have been in vain. Over the past year, I may have also been turned down for other credit facilities, and may have suffered higher rates or other less favorable terms as a result of Experian 's omissions.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION (MA)

Hi Mgr ; 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 XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2020-08-24
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

Hi, i actually was just on the phone with the LVNV because I paid off this account and they stated that they will removed it, but 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an issue with the credit bureau XXXX 
I have spent more than 30 hours in total on phone trying to solve the issue - XXXX does NOT report any credit cards on my report, and marked my score as " - ''. 
XXXX and XXXX reporting all credit cards and my score is around XXXX points. 
XXXX reports 1 credit card ( XXXX XXXX ) with No score and does not report all mine 6 credit cards as authorized users. 
I spent already a few months trying to solve and now kindly asking you to help me.
Consumer complaint received 2022-12-12
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: Westlake Services, LLC (IN)

In accordance with the fair credit Reporting act Westlake financial Acct # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
27.5K 378 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-06-26
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: CCS Financial Services, Inc. (NY)

On XX/XX/XXXX, I sent " Credit Collection Serv Account # XXXX '' a followup letter regarding an alleged debt collection on my credit report by the company " Credit Collection Serv '' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX nor the creditor, Credit Collection Serv. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX and the creditor, Credit Collection Serv, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX credit report.
Consumer complaint received 2020-08-24
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. (CA)

A few weeks ago, I called the Experian Credit Reporting agency regarding my Credit Report. There was a Negative or Poor Rating due to excessive Credit Report Hard Inquiry on my account. As I further investigate there were 12 Hard inquiry. However, 7 of them are for 1 specific car loan within 5 day timeframe. I tried to dispute this issue via telephone. The Experian Representative " XXXX '' ( Supposedly her name ) I spoke to was very dismissive, rude and talk down to you in an insulting manner. My inquiry and dispute was NOT resolve and proper explannation was NOT provided to me.These inaccurate reports are affecting my Credit Report in a Negative manner. Experian customer service are HIghly Unproffesional and detrimental to my purchasing capabilities.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (FL)

Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!
Consumer complaint received 2020-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Birchwood Credit Services, Inc. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BIRCHWOOD/XXXX  XXXX  XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX  XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Our mortgage Acct # : XXXX w/Bank of America was paid off on XX/XX/20. We forgot to turn off auto pay and a payment of {$5400.00} went out of our XXXX XXXX account via bill pay to Bank of America on XX/XX/20. Bank of America received the payment and accepted electronically. The payment was deducted from our XXXX account. 

We first contacted XXXX XXXX and BofA on XX/XX/20 to inform them of our mistake. XXXX XXXX said that their was nothing they could to since it was sent electronically and BofA accepted it. But they assumed BofA would reject it since mortgage closed and provide us a refund check. 

BofA, after being on hold close to 2-hours, immediately informed they are going through a system 's upgrade and it could be up to 10-business days before our payment will be refunded. The payment has yet to be refunded to us or XXXX XXXX. 

We can not access the account on BofA 's website anymore since the mortgage has been paid off. 

We have called at least 6-times and waited each time on hold for at least two hours. When we finally get through the customer care person can do nothing more than take notes and apologize for the delay. We have entered case # 's XXXX and escalation # 's XXXX, but nothing ever happens. We have requested return calls, none have occurred. We have been asked to be forwarded to managers, calls are always disconnected. We have called the local branch and they say they can not assist. 

We need your assistance. It has been three weeks and BofA is refusing to refund a payment of {$5400.00} we made on a mortgage that was paid off.
Consumer complaint received 2022-07-22
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}