davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OR)

XXXX  XXXX  gave me prepaid card it stopped working after 2 days.it is literally impossible to each via phone or online the prepaid company.viaphone puts you n hold an hour than hangs up on you. online system keeps tellin me to call
Consumer complaint received 2023-09-11
Product: Credit reporting 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. (TX)

I am applying for a Mortgage loan and the credit agency is unable to run a credit inquiry in Experian credit bureau alone. The credit inquiry went fine in other 2 credit bureaus ( XXXX and XXXX ), except in Experian. 
I have been calling Experian every day since XXXX XX/XX/2023 and every time I hear a different reason for the questions I ask ( i.e., why credit agency is unable to run my credit report/inquiry in Experian alone ), they mention that, there is MLA ( Military Lending Act ) Notice enabled in my credit report due to which the inquiry could be blocking and it needs to be removed. I also confirmed that I am not part of Military and was never into Military. 
Call gets transferred to the dispute department and they raise a request ( physical form filled and submitted ) to remove the MLA notice from my credit file, which should take not more than 5 business days as mentioned by the Experian dispute department. 
Ever since I have been following up, but every time I call they raise a new request to get it removed and it never gets removed. 
At this point, I am not even sure if that is the root cause blocking the credit inquiry or even after this MLA notice gets removed am I still going to face the same problem. Until the Experian credit inquiry is successful, my loan process is halted and at some point i might even loose the Home buying due to this issue. Any help in finding the actual issue, as to why the credit inquiry is not going through, would be of great help!
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (IL)

On XX/XX/XXXX I begin receiving child support payments in amount {$310.00} under docket # XXXX. The IL state disbursement unit sent the funds to an old account on file with XXXX that I no longer have access to. The old account is from XXXX. I just start receiving child support for the first time in 13 years. The total funds are {$3500.00} as of XX/XX/XXXX. I requested a trace with IL state disbursement unit who informed they are unable to complete. I am contacting XXXX, Netspend and XXXX to provide my personal info and locate and give me access to my funds or return to issuer because I dont have an account with them.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a " pre-legal '' notification in the mail from Midland Credit Management attempting to collect a debt dated XX/XX/2019. This letter advised that I needed to provide a response by XX/XX/2019. 

My concern is that I am being threatening with forwarding my account to an attorney but I don't have any idea who Midland Credit Management is. I've never applied for an account with this company, they have never extended credit to me and I've never agreed to do business with this company. 

This is the first correspondence that I have EVER received from them. Their documentation doesn't tell me anything about how they obtained my personal information or why they are contacting me.

After googling the company it appears that they are a debt collector but the documentation that they have sent to me doesn't indicate that they are attempting to collect a debt nor did they advise my right to dispute or request validation of the debt. They stated that they've sent a previous letter to me but I have NO RECORD of ever receiving anything from them.

I would like to file a complaint against this company for violation of the Fair Debt Collection Practices Act. If this company is reporting any derogoratory information on my credit report I would like it immediately removed.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

This is a federal student loan that was taken over by Nelnet mid-XXXX from XXXX. 
When I was checking my credit report today it stated that this loan is in forbearance as of XX/XX/XXXX. It is NOT in forbearance nor did I request a forbearance. I have never requested a forbearance on any of my student loans and have never had a late payment. The report also shows 13 % of payments were on time. They have only been my loan provider since XXXX of XXXX and it clearly shows they were all on time. Anything prior to that shows as " no data ''. They had previously used this excuse to raise my interest rate. I reported this mistake to them too and they have refused to fix it. My records are very clear about payments and this shouldn't be a difficult problem to fix.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (CA)

My mortgage application was denied by my bank, on the basis that corelogic credco is showing a foreclosure, by XXXX XXXX XXXX, which was false and never took place. I had sued XXXX in Federal district court, and the court ruled that the foreclosure never happened. I sent this court ruling to the 3 credit reporting agencies nd Fico, but Corelogic never removed this foreclosure from their report. 
Also, XXXX had posted that in XX/XX/2014, I had been late in payments to the XXXX XXXX XXXX, and this also appeared on Corelogic 's report. 
This was untrue as the XXXX XXXX  had no interest in the property, and no payments were due to the XXXX XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MI)

15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to Experian, XXXX and XXXX. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

signed up for experian boost, gradually adding bills & eventually I realized they had real time access to my checking accounts I realize now that several times my boost bills would spontaneously drop off and I had to sign in and re-submit them.., I believe this is why I eventually just gave them full access to my checking account, because I was tired of seeing my credit score go up and down. 
However, a few large drops in my score had no explanation whatsoever even after hooked up with bank accounts daily hourly reports in real time. 
After securing a decent credit card in spite of this prior roller coaster with my score, I cut off access from my bank 's end I now have had months of dire warnings on the part of Experian about drops in my score & " hook up '' your bills again before " date '' deadline. 
I was tired of appearance of credit score growth only for them to drop bills off the roster forcing me to regularly sign back in and in most cases restart the record of each of these " lost '' bills history, so I never really was getting anywhere but stressed.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

In XXXX I made a payment to my BP gas credit card to Synchrony Bank for my XX/XX/XXXX bill, they posted my payment to my all ready paid XXXX bill and charged me {$27.00} late fee and reported that I was all ways late to the credit reporting agency. ON top of that they canceled my membership to Sam 's club and canceled my sams club   credit card on or about XXXX XXXX! 
ON XX/XX/2019 they charged the me a membership fee of {$100.00} for a membership that they canceled! 
This is XXXX is due to my not payinf their clinet XXXX for the over {$15000.00} damaged almost casuing fires, that XXXX company XXXX XXXX XXXX XXXX did to my home!!!
Consumer complaint received 2019-03-25
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. (GA)

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and Transunion - 60 days late reporting on XXXX XXXX XXXX XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) XXXX XXXX - 30 days late reporting on ( XXXX and Transunion ) XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) - 60 days late reporting on ( XXXX and XXXX )
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I paid my XXXX XXXX XXXX credit card in full on XX/XX/2019 and they are not reflecting that I had a {$0.00} balance and I have used the card for a purchase on or close to the XX/XX/XXXX in the amount of {$29.00}. But they are not reporting accurate information on the above account, per XXXX XXXX credit alerts the information that XXXX XXXX is reporting on the balance amount is incorrect {$770.00}. I have never had that amount of a credit limited from them. I spoke with a representative on Saturday XX/XX/2019 at XXXX TN time from Equifax and she said they ( XXXX XXXX ) have not reported no new updates on my account for the month of XX/XX/XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between regional finance and XXXX XXXX XXXX and following companies see attached documents companies highlighted. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletio
n process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Currently on all TransUnion and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Consumer complaint received 2019-03-25
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. (GA)

In XXXX of 2012 I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on my credit report.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan servicing company ( Specialized Loan Servicing or SLS ) failed to pay my taxes from my escrow. The taxes were due on XX/XX/19. I called them on XX/XX/19 to ask why they haven't paid my taxes. They said they would open a case and to give them 10 days. I called 10 days later and they said they paid them. We are almost one month after my first call and they say they have paid the taxes. Also, there is now a late fee. Even if they did pay the taxes and " the check is in the mail '', there's still a late fee. If the late fee isn't paid, I'm still delinquent. SLS is now saying it will take another 10 days to investigate. I'm nervous and stressed. It feels like they are giving me the run-around. Their phone number is XXXX.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report.
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (TX)

I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( Experian, XXXX, XXXX ) XXXX  deleted the accounts, but Experian and XXXX are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX   XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXX of Nevada {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but Experian and XXXX continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is Experian and XXXX able to verify them?
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX   {$2300.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$140.00} I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX and my address is XXXX XXXX XXXX # XXXX, XXXX OH. XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I Noticed a collection from XXXX on my credit report i sent a debt validation letter certified mail ( included in this complaint ) and received a printed paper with just an amount owed and the original creditor emergency professional services. I contacted the original creditor via phone and spoke with XXXX on XX/XX/XXXX and asked for the original contract and they do not have it. So how is this debt valid if the original creditor do sent even have paperwork on this debt XXXX says i owe. Also in my dispute letter i asked XXXX for the original contract or anything bearing my signature to prove i actually owe this they did not send it. Since the original creditor do-sent have paper work i asked they remove this item from my credit report or send me something bearing my signature to prove i owe them with all the identity theft going on and with me being a victim of identity theft in the past I will not pay this debt until i receive this information. If this item is not removed i will pursue litigation and sue for XXXX $ for violation of section 809.