davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We used our Kohl 's credit card to make a purchase at Kohl 's department store on  XXXX / XXXX /  XXXX   in the amount of {$110.00}. Of note is that we had established paperless billing. Unfortunately, our e-mail address was changed and therefore we never received the statements to pay the charge. We also did not receive any phone calls or posted mail regarding the outstanding charge. On  XXXX   XXXX ,   XXXX   a gentleman, stating he was from Kohl 's, called to say that our account was in arrears, and I immediately paid the amount in full over the phone, explaining that we had no idea that we were in arrears, and apologized profusely. We were shocked to discover that it had been reported to credit agencies! We were in the process of purchasing a home, and due to the " delinquency '' we lost out on the mortgage and lost our ability to buy a home. We were and are devastated. I wrote lett ers to Kohls and sp oke with customer service, however they wrote back, dated  XXXX / XXXX /  XXXX  , that they will not remove the delinquency from our credit reports. We had FICO scores of over  XXXX  before this happened, and mine dropped to  XXXX . This, to show that we ALWAYS paid our bills and our credit worthiness has been extremely important to us.   We feel, at the very least, that  Kohls should have at least tried to contact us by telephone or by post mail to warn us that we were in danger of going to collections, but absolutely nothing from Kohls until the gentleman called and we paid in full at that time. We lost our credit worthiness for a mere {$110.00} owed and no attempt by Kohls  to collect it except at the time to put a delinquency on our credit. I went back and checked our old e-mail, and saw the  2  statements, however, again nothing about going into collections or a negative being put on our credit. There were only late fees. We can not believe that they can put a negative on our credit reports after onl y 5  weeks. The amount was due on  XXXX / XXXX /  XXXX   and we paid on  XXXX / XXXX /  XXXX  ! Please help us! Thank you!
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The Debt Collector called and stated that i owed over {$2000.00} for breaking an apartment lease early it should have been for only 2 months rent. They also keep adding more money to the debt and they are not even the original debtor.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

Each and every year, Experian refuses to give me a copy of my credit report.   The result is denied for no reason whatsoever, and seems like an attempt to get people to pay {$14.00}. It is impossible to resolve without mailing my social security card (! ) through the mail, which is so risky and inept it is difficult to imagine this is not deliberate.   Meanwhile, TransUnion seems to have no difficulty at all following the law.
Consumer complaint received 2019-10-30
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)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates ( " PRA ''  ) is violating the Fair Credit Reporting Act ( " FCRA '' ), the Fair Debt Collection Practices Act ( " FDCPA '' ), and the  XXXX   XXXX ,   XXXX   Consumer Financial Protection Bureau  Portfolio Recovery Associates Consent Order ( " Consent Order ''  ) by continuing to infer that Consumer owes this alleged debt, yet can not ( and HAS NOT ) provided any proof that satisfies FCR A 623.  The alleged original creditor,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . has deleted its trade line  ( s ) from    Consumer 's cred it reports, as it has no evidence this alleged debt exists ( in the way of a signed application or contract for debt ) . Consumer co ntends that  PRA 's con tinued reporting of this account to the major credit reporting agencies ( " CRAs '' ) constitutes a false, misleading statement and is a PROHIBITED abusive practice as banned in th  e Consent Order.
*Consumer DOES NOT consent to telephonic contact.
*This complaint to be directed to PRA ONLY.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have contacted the Georgia Attorney General and they have contacted SLS regarding my account.  XXXX  sold my loan to SLS and I am paid until   XXXX   XXXX    . SLS does not acknowledge this and continues to mark my account past due, 71 days.  XXXX  has provided the information  3x per  my request and still no change in my account status or SLS acknowledgement. The Georgia Attorney As of   XXXX     there is no change from   XXXX   XXXX    .     An  SLS r epresentative called the week of  XXXX  and informed me that SLS is aware that I am paid until  XXXX , but when I calle d SLS  on  XXXX , there was no change to my account. I requested an updated statement based on this new information. I still have not received the revised mortgage statement confirming I am paid until  XXXX .     SLS continues to send information to the wrong address. My correct address, which I have sent to SLS via official  USPS n otification, is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX   XXXX    XXXX   ID #  XXXX  Received RESPA notice on   XXXX   whic h SLS  has already violated   XXXX    XXXX  ID #  XXXX  ID #  XXXX    XXXX    Executive Ser vices says they do not have information that I am paid u ntil  X/XX    XXXX   W as told my rep that there were  hundred of lo ans sold to SLS that SLS has not processed correctly and for which they have no information   XXXX    XXXX  no ID # Requested welcome letter and payment notice and received information on the Automatic Payment Program   XXXX   Requested  XXXX  send another payment history to SLS   XXXX    XXXX  automated calls daily  XXXX   XXXX  Account #  XXXX  Georgia Attorney General File #  XXXX
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DRB-40, LLC (VA)

Diversified Recovery Bureau, LLC calls me 2-3 times ever yday and leaves me " threatening '' voicemails stating they have my Social Security number and other sensitive information on " their desk '' and that it is imperative that I call them back immediately to resolve this matter. They never state what " this '' matter is when I call back yet demand that I give them my Social Security number and mailing address for ID verification. On  X/XX/2017   ,  XXXX   XXXX  from  Diversified called  me and once again refused to tell me for what debt and/or creditor he was calling in regards to. He demanded that I give him my Social Security number in order to verify my ID. I told  XXXX   XXXX  he could send me a letter on his companies letterhead, stating what " this '' matter was in reference to. Once I received the letter and was satisfied that it was in fact a debt that I owed currently or at one time, I would gladly call back and speak to him.  XXXX   XXXX  promptly cut me off while I was telling him this and once again demanded my Social Security number. I again told him to send me a letter in the mail stating what this phone call was in reference to.  XXXX   XXXX  at this point was got angry and sai d " Fine, t hen I 'll just mark this down as " Refusal '' and we 'll take it from there. '' I immediately asked  XXXX   XXXX  if he was " Refusing '' to send me the letter I asked for in the mail, but he had already ended the call.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.

Consequently I was forced to leave Florida to seek employment.

Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I  was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 violates 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed a  Multiple Inquiry Removal Letter  by mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According  to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be i nvestigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (MN)

To Whom It  May Co ncern : 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 a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is reporting  XXXX  separate  XXXX  energy accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX   XXXX  of the condo we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or phot o IDs.      Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct th  e Credit Reporting agency to remove this from my credit report immediately.
Regards,    XXXX   XXXX
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

In XX/XX/XXXX when submitting my Employment Certification to verify my eligible employment status for PSLF for the year XX/XX/XXXX-XX/XX/XXXX, it was denied because my account was apparently in " paid ahead '' status, which rendered the payments I did make in that year ineligible for PSLF. This was not an error on my end, this was an error on MyFedLoan 's end, verified by their employee when looking at my account. I was told that they fixed the paid ahead status on their end, but that I would need to have my previous years payments put under audit, to get that year approved. That was XX/XX/XXXX,  and I have yet to have this audit processed. I have called MyFedLoan on XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), XX/XX/XXXX ( spoke with EID XXXX ), and XX/XX/XXXX (  spoke with EID XXXX ), and no further updates are able to be provided, other than it has still yet to be processed. When I ask how long in their experience I can expect this to take, I get estimates from 12 months to 5 years.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''