davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NY)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CO)

Credence resource manage XXXX They have been contacting me repeatedly at work, on a work number that isn't in my name. 
I have asked them several times now to stop contacting me at work, to contact me via mail, to provide me with proof that this is my debt and that they own the right to collect this debt. 
They state that they are unable to send me anything in the mail unless I agree to a payment plan and that it is impossible for a fraudulent account to show up on my credit report.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (MA)

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 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX Account Number : XXXX This is a charge off account why is it showing on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$540.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported w/o valid evidence
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
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: EQUIFAX, INC. (DE)

I have contacted all 3 credit bureaus ( XXXX, XXXX, and Equifax ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have been trying to save my house for over a year now and I have had 2 foreclosure sale dates that I have had to stop them. There is a 3 third  time now and they still have a sale date scheduled in less than a week. I have a complete loan modification packet and my current loan modification packet has been complete for over 2 months now.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my Trans Union credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX 's illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on Transunion. 
" Based on Transunion data Credit changes Current score XXXX XX/XX/XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXXXXXX XXXX  Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXXXXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
Consumer complaint received 2020-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (NY)

My student loan was transferred from XXXX to KHEAA XXXX of 2020. I entered in to a student loan rehabilitation program with them in XXXX of 2020 and my first payment of 10 to rehabilitate my loan began in XXXX of 2020 with a monthly payment of {$170.00}. I have paid every payment on time without fail and expect to meet the rehab requirement in XXXX of 2020. However, I received a harrassing notice from them insisting that I am in default and have to pay {$10000.00} immediately and that they will be pursuing all avenues for collection. First of all, I am rehabilitiating my loan successfully so far so this notice is unwarranted. Second, my rehab arrangement was made directly through KHEAA in XXXX. Also, the loan balance does not reflect any payments which is fraudulent on their part.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. Not to mention that when I did call, the Indians on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints. 
XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX is the charge.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am a federally protected consumer and CAPITAL ONE has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OK)

I have store credit cards through Comenity Bank. They continuously decrease my credit amount resulting in decreasing my credit score. When I get my balance paid down, they decrease my credit amount which decreases my credit score by increasing my credit to debt  ratio. They have done this to me on many occasions. I have called them raising concerns, but they tell me it is due to my low credit score which is actually is a result of their actions. This is not right. I have worked hard to try and increase my credit score, but they have made it impossible by their shady practices. If I could do it all over again, I  NEVER would have opened these accounts with Comenity Bank if I knew how they conducted business. I can't wait to pay them off and close all of my accounts. BEWARE OF THIS COMPANY. They will rip you off and destroy your credit. In addition to the bad practices mentioned above, they will call you 10 times a day from 4 or 5 different phone numbers if you are even one day past due.