davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The inquiry was NOT authorized. 

BK OF AMER Date of Inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc. (FL)

My monthly payments of {$410.00} are due on the XXXX of each month. I made a payment of {$500.00} on XX/XX/XXXX. I logged in to the website today that the extra funds I paid are in an unapplied account. They have done this on several occasions, this time I decided to call today ( XX/XX/XXXX ). I asked the representative to apply those fund to principal. He stated that he can not and I have to wait until I make the XX/XX/XXXX payment then they can apply to principle. Which is a lie because it has never happened with my prior payments. In addition, thats an extra 30 days of interest that I am being forced to pay on a larger balance and they are holding my extra money. I explained to him that this is unacceptable. I have a DSI loan, by not applying my extra to principle, more interest accrues daily, I pay more interest over the term of the loan and it takes me longer to pay off the loan. They are forcing customers to pay extra interest. When I informed him this isnt legal and I was reported them to the CFPB. He stated to me " it isn't the end of the world '', which is rude. That violates FDCPA. I need to be able to pay extra on principle to payoff my loan faster. This company forces customers to pay extra interest.
Consumer complaint received 2024-10-10
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. (AL)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible 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 2022-07-25
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. (MD)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XXXX I was going through a XXXX and also due to a medical illness I got behind on my mortgage and car loan. And was hit with medical bills that are now resolved. But since XXXX  I have been current and still reporting on my credit as late! And have Hard inquiries from XXXX XXXX XXXX XXXX. I Have disputed this and still no change.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (IL)

After submitting all pertinent documentation i returned a call, asked for XXXX, but spoke to a woman that said she could help me. She told me I was missing schedule C for 2019. I explained to the woman that I was a XXXX  employee in 2019, and that a schedule C for that year would not exist. She said ok and that my application was under review. 

I continued to receive emails saying I was missing documentation. Two times i emailed customer service again explaining the documentation was submitted and each time received a response saying my application was under review.

Next day I received yet another call requesting Schedule C for 2019. I've repeatedly stated that 2019 I was a XXXX  employee, and that I would not have a schedule C for that year. 

XXXX was persistent that I should have a schedule C for 2019, even after I repeated multiple times that document would not apply for 2019 because I worked as a XXXX employee. 

There seems to be some serious confusion on your companies part on what documents pertain to who. XXXX stated a XXXX is for an independent XXXX. That is absolutely incorrect! I worked as a Human Resource and payroll XXXX for nearly 20 years, so I know a little something about payroll and tax forms. 

XXXX is for an employee that works for an employer who deducts their taxes through payroll. 

XXXX is for an independent XXXX *Schedule C is only required for 1099 independent contractors OR/AND sole proprietors of a company It is beyond unprofessional and ridiculous that a company processing loans is not knowledgeable on these basics that are so crucial to the work you do. I can't imagine how many people have been denied a loan through your company for not being able to produce documents that shouldn't exist to begin with. Like you intentionally ask for forms that shouldn't exist to be able to deny a loan. 

I've never experienced this with a loan and find it ridiculous. I have reported this to XXXX  and other mediums as unfair business practices.
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
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: EQUIFAX, INC. (CA)

I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX
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 am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Several issues : Background authorized not submitted to company denied position Paid XXXX 3rd party credit collection company Credit Report tampered by credit report company Phone calls that are made are not directed to correct individuals ( as if calls are forwarded ) Phone # needs to be evaluated as call are not directed Police reports are not generated/Police reports are sealed ( Unethical protocol ) Violated justice for victims Tampered with Emails ( XXXX  ) XXXX ( email was hacked ) other emails that need evaluation XXXX and XXXX Cell phone provider XXXX ( tampered ) Bank Accounts ( XXXX XXXX ) Received opened/tampered mail letters received are mailed ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received multiple calls and emails tampered education/Call Forwarded to wrong entities/cyber bullied/Tampered with money/accounts Fraudlent eviction Marshals protocol XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Legal name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improvement Contractors License ( Owner ) of XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX responded to business legal entity ( Emails received from XXXX XXXX XXXX once again evaluate emails and calls that are forwarded ) XXXX XXXX Emails , XXXX, 3rd Party Collection Agency, Dept of State regarding Business XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs evaluation XXXX never received yet requested and try to initiateynder XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
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: Experian Information Solutions Inc. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

I have sent dispute letters to experian informing them that my son went to court about this XXXX XXXX account that I co signed on was dismissed in court of law it was not resold to anyone because it has been removed from his credit profile and with out prejudice and responsibilities. The judge said to remove it! and I SENT in a copy of it to CFPB showing the court document and the response. Im not sure why if im showing you proof of the documents, remove it from my credit I was only a co signer NOT MY ACCOUNT! DELETE NOW I HAVE OVER 30 YEARS OF GREAT CREDIT AND THIS IS THE ONLY ITEM THATS negative!! remove now and forever. XXXXXXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-07-25
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)

I am already tired of submitting dispute letters to the Credit Bureuas sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-31
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A states 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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (LA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$8900.00}
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (OH)

My name is XXXX XXXX my account numbers ends in XXXX, my XXXX is XX/XX/XXXX. I have been heavily impacted by XXXX!!!! I continue to suffer from serious health issues from XXXX. This account and its servicing has been the worst!!! You claim you sent me a notice in XXXX regarding a fraud charge ; I did not response ( BECAUSE I NEVER RECEIVED ANY NOTICE!!! ) I tried logging in to my account on XX/XX/XXXX to make a payment. I could not log in as it said my account was CLOSED!!! There was NO way for me to make a payment!!!! I received nothing in my email or mail informing me on how to make a payment!!!! I then called in and could not get ahold of anyone!!!! Your automated system would not route me anywhere!!!! So I tried going back into my account to get a number to call and it let me log in!!! What is going on?!!!!! Your phone system does not allow me to talk to a rep!!! I have been heavily impacted by XXXX and CAN NOT AFFORD {$300.00} I HAVE DONE MY BEST AND I JUST CAN NOT DO IT ANYMORE. I need assistance. My account is said to be closed and I can not get anyone to speak with me! I am getting charged late fees and interest because of their madness. I need a reasonable settlement offer with a payment I can offered to settle the account.
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TN)

Castle Credit calls twice a day using two phone # 's. XXXX leaves voice mail to call XXXX call back #. I've had my cell # since XX/XX/XXXX. XXXX XXXX falsely gave my phone # to Castle Credit. These phone calls and messages have been going on approximately 8 months. XX/XX/XXXX spoke with XXXX XXXX at Castle Credit again. He stated he would get with their IT department to take my phone # out of their computer. The problem calls are still continuing twice a day, every day.
Consumer complaint received 2024-10-16
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-08-04
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: Collection Bureau of Fort Walton Beach, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX COLLBURFTWB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-04
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)

Equifax is reporting two accounts with XXXX XXXX XXXX XXXX both accounts start with XXXX and both are showing a late payment as of XX/XX/2016 as 120 days delinquent. Both accounts opened XX/XX/2016 which if doing the math there is no way possible that is accurate. First there were NO LATE PAYMENTS ON EITHER ACCOUNT and secondly to say an account that just opened was 120 days late when only opened for 3 months is completely wrong.