davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Credit reporting agencies show medical debit on my credit report. Medical debit reported on XX/XX/2021 and reported on credit report. 
180 day rule violation. Credit reporting agencies are required not to report medical debits no less then 180 days so that consumers can resolve the debt.
Consumer complaint received 2024-10-25
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. (IL)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information listed below which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following collections are XXXX XXXX XXXX {$42.00} which is reporting twice on my report. Both are fraudulent accounts. 

XXXX {$1300.00} is also a fraudulent account.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-10-06
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/AVENUE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-10-25
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)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX XXXXXXXX is missing my positive payment history from Experian and needs to be updated immediately so that it is reflecting accurately. 

Acct XXXX is missing my positive payment history from Experian and needs to be added immediately This account should be reporting identical across all 3 bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history to be added. This will justly reflect my payment history. Therefore, I request that Equifax immediately verify and add the enclosed payment history to my credit file. ( Enclose proof from Creditor ).

ALL ACCOUNT BELOW SHOULD BE ADDED TO MY REPORT : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 

3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this Account to my REPORT as a POSITIVE account Immediately! 
Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above.
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I reviewed my credit report and I have a debt collection from XXXX XXXX XXXX XXXX that's was opened in XX/XX/2019 I was not a where of this account is reporting false information. It states it's an open debt collection account and reporting an open balance of {$1400.00} which is inaccurate. I have tried getting in contact with this creditor but had no luck. Delete any negative remarks in my credit report. And send me a updated credit report with reflecting these changes.
Consumer complaint received 2021-10-06
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: Atlanticus Services Corporation (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I paid off my car for the full amount as stated in the payoff quote by the financing company. The money was taken from my account and my bank confirmed that the finance company had the money, but they claim they did not receive it. They also would NOT provide a written or verbal statement that they did not receive it.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (SC)

IF ARE SUCH A CARING INSTITUTION WHY ARE YOU CHARGING ME SUCH A HIGH INTEREST RATE AND FOR LONG WHEN OTHER INSTITUTIONS CHARGE SUCH A LOWER RATE. I JUST CAN'T UNDERSTAND YOUR REASONING!!!!
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Kohl 's Systematically makes it difficult for consumers to set up auto payment. 

They encourage late payments and delight in reporting negative information to the credit bureau. 

My credit report is fantastic except for Kohls who : 1. Deletes your auto pay when you pay the account off 2. Do not allow you to set up auto pay unless there is an outstanding balance 3. Do not attempt to contact you until they are already reporting you to the credit bureau 4. Assure you that by making the payment that you will not be reported negative and then deceive you.

Kohls has poor credit collection practices. 

Account balance was {$470.00} Minimum payment $ XXXX {$30.00} Kohls contacted me on day 31 to report that I was past due on the payment. Kohls assured me that it was not being reported to the credit bureaus and proceeded to collected the full balance. To my surprise, I look at my credit report and see that they indeed did report my account late just a few days after accepting the payment in full.

I frequently pay the card off in full. The auto-pay deactivates and then they call you on day 31 to report you didn't pay but only after they report you as 30 day past due on your credit. 

It is deceitful credit practice that can cause someone to lose 50 points on their credit score overnight.

I would like to file a formal complaint against their company and business practices. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which XXXXtes USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-09-20
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)

There has been information published on a consumer report that I never gave either company ( XXXX, Equifax XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the account below due to several violations of the law. The companies in question for the alleged debt is as follows : 1 ) XXXX XXXX
Consumer complaint received 2022-11-01
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the companies one by one and they agreed to not report the accounts in my file but here you are continuing to report these fraudulent accounts on my credit file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. I had applied for an Auto Loan on XX/XX/2021 and started researching some Cars by shopping around the Dealers for around One Month. 

2. Unfortunately, even though all of my Credit applications were within a period of One Month, the TransUnion credit report shows that there has been 13 hard inquiries to my account which is incorrect and that needs to be treated as only ONE inquiry as per the Credit Bureau norms since it was made within a period of 30 days window and moreover MOST of the Inquiries were within a period of 14 days window.

3. When I tried to dispute the number of inquiries with TransUnion, they are asking me to PAY a fees for the dispute saying only paid members can dispute any reports. Screenshot attached herewith.

4. When I am trying to call the TransUnion on their phone number, it's always transfered to an automatic answering system which says my identity could not be confirmed and I need to fill an onine form in www.transunion.com to dispute any item on the Credit report which again asks for a FEES for any disputes or annual Credit Report.

5. Also, I tried to request my Credit Report online but again TransUnion is demanding Fees for the Report which they need to provide FREE OF COST once each Year.
Consumer complaint received 2021-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My mortgage payment for XXXX is missing. I did not identify my mortgage account number on the XX/XX/2021 check. I have the canceled check paid to the mortgage company. The check identifies the moneys were paid but the mortgage company have not posted the moneys to my account. I have not received any communication regarding the check written to my mortgage company-NONE. 
I have reported this incident to the mortgage company several times via. They said they would elevate the issue to their missing payment department. I have submitted via fax and emailed cancelled check, cash info. letter and bank statement to support that the mortgage company cashed my check to the missing payment dept. as advised by my mortgage company. Days weeks months go by I follow up with the mortgage company, they respond like I havent done anything no responses to the faxes or emails this has been going on since XX/XX/2021. In XXXX I go to the bank thats identified receiving the mortgage payment check and they advised me to request HELP from CFPB. Please please help me get my mortgage account out of default.
Consumer complaint received 2021-09-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

I submitted an extra, one time payment of XXXX dollars to my loan principle. Instead of applying to the principle, my lender ( Caliber Home Loans ) withheld the amount to apply to my reoccurring monthly payments and pushed the due date of my next payment significantly to the right. I assume this is a fraudulent attempt by the lender to collect more interest with the assumption that the home owner will fail to catch the issue, but I am unsure.