davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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: Self Financial Inc. (GA)

This Self account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. It's paid off and should be removed from my report, it's verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. Account Details : Creditor : Self Lender Account Number, Account ID # XXXX Date of Last Activity : XX/XX/XXXX  Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Consumer complaint received 2019-10-25
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. (NY)

PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (GA)

I have learned that Target is reporting to all three Credit Bureaus that I have been late for payments XXXX, XXXX, and XX/XX/XXXX. I contend that these reports are inaccurate, false and misleading. Therefore, I am submitting this complaint pursuant to FDCPA Section 807 ( 8 ). 

XX/XX/XXXX, I closed the Target account and initiated a " Temporary Special Payment Plan '' which did not include " late fees ''. See the Letter of Details from Target dated XX/XX/XXXX. I closed the Target account due to accumulation of financial hardships and continued late fees added even when I made payments. Target continue to report to all three credit bureaus that I have been late on payment for XXXX, XXXX, and XX/XX/XXXX! See the payments made attached. I state not only did I pay for said months, but I have not been late with the payment agreement for the last 12 months! 
Target reports are incorrect, false and misleading representation 15 USC 1692e, and in violation of Fair Credit Billing Act. In addition, Target reports are in wanton disregard of their own written " Temporary Special Payment Plan '' agreed upon with me as a customer/client. As a result of these false and misleading representation to all three Credit Bureaus, it impacts my credit life and prevents me from obtaining loans or credit lines that are in the best interest of my welfare and livelihood. 
I state that Target has a legal responsbility of furnishing information to consumer reporting agencies with : '' completeness '' or accuracy of any information furnished by Target. pursuant to U.S.C. sec. 1681s-2 ( a ) ( 3 ).
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (LA)

Mortgage application with Amerisave was completed on XX/XX/21 and rate locked in for 47 days. Due to warranty issues we were not able to close within that 47 day window. With rates dropping significantly over that period I assumed the lock had expired and I was eligible for a lower rate. The company said that wasn't the case because they had automatically extended the rate lock to protect me. I was never notified of this extension and did not learn about it until after the fact. I contacted the company and asked them to honor the terms of the application and they refused.
Consumer complaint received 2022-04-26
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 from 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. 

I have asked XXXX, and Transunion for proof that this XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX with absolutely no proof Just a bill with my name that looked like my XXXX XXXX XXXX son could have made on word. 
so my question is if I cant get propper validation from XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Consumer complaint received 2022-10-18
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. (MS)

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (CA)

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The three credit bureaus continue to allow XXXX XXXX XXXX to report 25 medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

Amerassist added two collections accounts on my credit report in XX/XX/2020. Both of the accounts were in dispute with the company XXXX XXXX XXXX, for faulty product. I had been in dispute with XXXX  for over a year. They were suppose to have stopped any payments from needing to be paid, while we were in dispute. They randomly one day added two accounts onto my credit report. This completely damaged my credit! I contacted both companies, Amerassist and XXXX XXXX XXXX, about the collections accounts and could not get any answer or resolution. There was a ton of back and forth for months, I was able to dispute one of the accounts and it was removed but the last account has not been removed. I have emailed and called multiple times and I have disputed the account on my credit report 12 times, without any resolution. I have provided Amerassist proof that the accounts are closed and should have never been reported and they still refuse to make any change.
Consumer complaint received 2022-07-25
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. (CA)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 
XXXX XXXX XXXX
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX I took out a mortgage with XXXX  XXXX XXXX XXXX. Due to the recession in XXXX I was unable to make my payments and my home went into foreclosure. XXXX XXXX  XXXX filed a lis pendens to foreclose on my property. They admitted in their complaint that they were the holder and owner of the mortgage and promissory note. The foreclosure started in XXXX and they finally voluntarily dismissed their case against me in XXXX. In XXXX they filed a new lis pendens and now XXXX XXXX  XXXX as Trustee for a REMIC Trust. So they have admitted into evidence that the original Note was directly transferred from XXXX  XXXX XXXX XXXX into the Trust. There are no dates on the Note as to when this transfer happened. According to the Pooling and Servicing Agreement for the REMIC Trust and the Mortgage Loan Purchase Agreement, XXXX  XXXX XXXX was to sell my loan to XXXX XXXX XXXX XXXX XXXX and then XXXX  XXXX XXXX XXXX was to create the Trusts and register them with the SEC. XXXX XXXX  has clearly breached their fiduciary duty as a Trustee, violated IRS laws and SEC laws and now they are trying to foreclose on me and it is impossible that my loan ever made it into the REMIC Trust. I paid an attorney to help me defend my case but he never deposed any bank employees or entered any evidence or witness list. He just wanted to settle with the Plaintiff when I clearly wanted to take the case to trial. I recently terminated the services of XXXX XXXX XXXX and the Plaintiff Attorneys plan to take my case to trial in XXXX. I am in need of assistance asap. I have plenty of evidence to send you. Thank you.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

Due to COVID impact on my family I missed my car payment. The following representives contacted me via email : XXXX XXXX and XXXX XXXX. This resulting in me signing an agreement/payment plan to help me get back on track with my payments. I made the payments as explained to me via phone from XXXX XXXX. Later on that year XX/XX/2021 I received a 30day late. I contacted Consumer Portfolio Services. INC on and asked why did I receive a 30 day after paying the agreement offered? XXXX XXXX XXXX stated that I did not pay as stated in the agreement. This was not true I had proof of my payments and asked XXXX for a copy of the agreement I signed because it was signed online and I did not receive a hard copy or email copy of the agreement. This was XX/XX/2021 and the company Consumer Portfolio Service still hasnt mailed or emailed me a copy of the agreement. XXXX stated that all calls are recorded, I asked to speak to XXXX supervisor and asked if I could hear the recording that stated the details and payments dates of my agreement. The supervisor denied my request to listed to the recording. I believe because the recording will reveal that XXXX was verbally not kind to me and it would reveal that I made my next payment on the correct date XXXX told me to pay it on and should not have received a 30 day late. The company is not working with me. Will not provide me with a copy of the agreement, they refuse to take the 30 day late off. I have disputed this 30day late with all three major credit reporting agencies. I have had no 30 day lates over the lifespan of the loan. The most I could get from the Trade credit department was that my payment was due XX/XX/XXXX, and XX/XX/XXXX no payment was made. XX/XX/XXXX they reported me 30 days late and XX/XX/XXXX was my request for an extension. This all makes no sense and this was stated to me verbally. Without the agreement I signed online I have not way of disputing this incorrect report. They basically stated that my payment was received on the last business day of the month which was XX/XX/XXXX. I hope someone can help me with my case, I a being taken advantage of because I do not have access to the agreement the created. Consumer Portfolio Service. Inc. Does not support its consumers and treated me like a non paying consumer because my family was impacted by COVID. I know we all lack understanding about how hard it is when it hits your family but that is no reason not to work with you consumers. I have no 30 day lates. Please help me get this 30 day late removed it is incorrect. I refinanced my car loan because I do not want to pay a company that does not support their consumer and treats them bad.
Consumer complaint received 2021-10-17
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: Experian Information Solutions Inc. (TX)

XXXX refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of XXXX XXXX in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.
Consumer complaint received 2019-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ID)

I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector XXXX shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at experian. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.
Consumer complaint received 2022-02-03
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. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (CA)

This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this XXXX problem.