davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (FL)

XXXX, Trans Union and XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXX XXXX XXXX Last reported XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXX XXXX XXXX  I never filled an application out so I'm not sure what this is XXXX - XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX-? 
XXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Financial Services, Inc. (KS)

My girlfriend put my name on a leasing application with the possibility that both of us might live at these apartments together. I did not sign the application. We decided not to live together at the time, although she decided to lease an apartment at this complex. I did not. I never saw a lease, never signed a lease, and never agreed to any terms of a lease. Now the company is pursuing me for an unknown balance due, which has never been explained to myself or my girlfriend. She moved out at the end of her lease with no balance due. The property manager saw her, spoke with her, and waived good-bye as she drove away on the day she vacated, with no mention of any balance due, whatsoever. Now, Elite Financial is claiming I owe money. I was never a party to a lease at this complex, nor have I ever seen or agreed to any lease terms. I asked Elite Financial to provide a copy of a lease with my signature and they have not, yet they are pursuing me for unknown charges. I have never seen or signed a lease at this property and have no obligation for anything. When I spoke with Elite Financial, they refused to provide any documented evidence to demonstrate that I owed any money and they continue to make demand on me for some unsubstantiated balance due. Elite Financial refuses to provide any documentation as to the origin of the claimed balance due or any documentation explaining why I am responsible for an amount due. I have never dealt with such an unscrupulous company before in my life. Pursuing me for some financial obligation I never agreed to and refusing to provide any documentation to demonstrate why it thinks I owe money ... its a disgrace that this company is allowed to do business in this country.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NC)

This is in reference to claim # XXXX The above claim was filed because for years Ford Motor Credit has reported a charge-off incorrectly as well as a small balance on a car loan. 

At the resolution of this claim FMC agreed to remove the balance AND the charge off from my credit. They did so for one month. 

On XX/XX/2018 the charge-off was re-ported to my credit AGAIN ... this time registering as a NEW charge-off and lowering my credit 20+ points.
Consumer complaint received 2019-07-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.
Consumer complaint received 2023-01-14
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

My XXXX XXXX by XXXXi was closed on XX/XX/22 The card was dated to be good until XXXX A letter was sent to me that I never received but provided during this dispute to me that was dated XX/XX/22 stating I had until XX/XX/22 to use my card or it was going to be canceled. I tried to use the card in XXXX but the card had already been canceled. They refuse to either reopen the account or provide a new credit card account. 
I am not at fault here and their condition was impossible to meet. They are liars and need to be fined.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This agency called me 21 times in a row, never left a message. I had to reverse lookup the number to find out its Portfolio Recovery. I have no idea what they are calling about. I tried to call back and received a customer not available message from the phone carrier service. To call someone 21 times in a row is harassment and they need to be dealt with.
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC (NJ)

Received a {$15.00} collection notice from this company in regards to client XXXX XXXX XXXX XXXX, when in fact, I do not owe this amount. Received services from this provider in XX/XX/XXXX for an annual XXXX, per the office staff at the front desk, I do not pay a co payment for an annual exam, the medical office billed the visit as a regular medical visit. Called medical office twice during the month of XX/XX/XXXX, was supposed to receive a call back from XXXX, this never happened, nor was any billing correction made. In, XX/XX/XXXX contacted the service number for the billing department at ( XXXX ) XXXX, was informed that someone in " accounting would look into the matter ''. One month later, no one replied back to me and rather automatically sent this small balance bill to Apex Asset Management.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (NV)

I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.
Consumer complaint received 2019-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VEROS CREDIT, LLC. (CA)

VEROS CREDIT Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX is reporting a past due charge off account to the credit bureaus ruining my credit. When car was returned the lender Veros stated there was no balance due to the fact that automobile was auctioned off for more than was owed .... years later they are still reporting this account now with XXXX past due how is it fair? Numerous attempts to validate this account went ignored with no answer from the merchant Veros and account is still reporting negatively on the credit report ....
Consumer complaint received 2023-01-14
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: Bridgecrest Acceptance Corporation (IL)

To Whom It May Concern : 1. Bridgecrest reported my account as XXXX  days late for the month of XX/XX/XXXX. However, I scheduled an over the phone payment with Bridgecrest in XX/XX/XXXX, and Bridgecrest never executed the ACH transaction 2. I learned of this XXXX XXXX when I scheduled my XXXX payment online. 
3. Upon learning this, I paid both the XXXX and XXXX payment. 
4. I called Bridgecrest to notify them of the incident and respectfully asked them to remove the XXXX  day late reporting, as it was not my fault that my account was not drafted. Bridgecrest declined recommended that I file a dispute. 
5. XXXX XX/XX/XXXX, I filed a dispute with all three credit bureaus. 
6. XXXX XX/XX/XXXX, Bridgecrest responds, but not only does it not remove the XXXX late reporting, it stated that I was XXXX  days late for the XX/XX/XXXX payment. This is impossible as I made the payment on XX/XX/XXXX and today is XX/XX/XXXX. XXXX  days have no exlapsed. 
7. XX/XX/XXXX, I appeal the decision with XXXX, and Bridgecrest responds the same day with the same response as line item XXXX. 
8. I respectfully ask that Bridgecrest remove all late reporting from my credit reports for the following reasons : 8a. I was late in XX/XX/XXXX, only because Bridgecrest called me to schedule a payment, and after we confirmed the payment was schedule, Bridgecrest failed to draft my account. 
8b. The XXXX payment was not XXXX  days late, and Bridgecrest is inaccurately reporting it as late even after I have requested it to correct this error XXXX times. 
8c. Because Bridgecrest responded with inaccurate information after the original dispute AND because it failed to draft my account as schedule, which caused me to be late on the XX/XX/XXXX payment, all late reporting should be removed. The company has demonstrated an inability to be consistent and accurate, and I as the consumer should not be penalized for Bridgecrest 's mistakes.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NV)

I fell behind on my mortgage so I hired an attorney to assist me in applying for assistance. My attorney provided PHH/XXXX with everything they needed on XX/XX/19. Complete loss mitigation application and financials. My attorney has been calling now since that date and the phone originally would not pick up. It said they have technical difficulties. I have a notice default and my home is scheduled for foreclosure soon. My attorney says there is RESPA Law Regulation X that requires a servicer to respond and review my request within 30 days. It has now been over two months and no response. They are in violation of RESPA law and this is not fair and illegal.
Consumer complaint received 2019-07-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oklahoma Student Loan Authority (TX)

I took out a payment plan in XXXX of 2017 with the University of XXXX, and paid that off in full at the beginning of this year in order to apply to XXXX XXXX College. I  never took out a federal student loan, and this is saying that I owe {$4000.00} which is almost the exact amount I paid to University of XXXX. I don't understand why I have a federal student loan on my credit report because I never filed one. I don't know what paperwork I need to attach, since again, I did not ever take out a student loan. It's always been payment plans that have been paid off. I do not owe any money to any institution other than XXXX right now, and I refuse to pay XXXX dollars to the feds when I didn't even get to finish my semester due to Hurricane Harvey and lack of transportation and housing. Please let me know what my next steps are. I need this off of my report ASAP.
Consumer complaint received 2023-01-14
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-17
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. (TX)

in XX/XX/2019 my credit score with Transunion and XXXX were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score increasing it dropped by 50 points ( XXXX  ) .30 ( transunion ). seven days later both had dropped another 14 points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (TX)

Freedom financial has harm my credit by reporting I have a outstanding balance With then after I never accept there loan. I have been lied to repeatedly but there customer service team. They refuse to give me documents to show my loan is balance is XXXX. 
This company has ruin my ability to get funded elsewhere due to this loan being place on my credit report as a open high balance account. I never wanted the loan from them they retaliate by waiting three weeks then reported to the credit bureaus. They refuse to acknowledge what they have done or take accountability for the lies I have been told. Lending tree refuse to all or me to put up a honest review on this company also
Consumer complaint received 2019-05-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and Transunion are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-14
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. (VA)

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : XXXX. Last verified- inaccurate XXXX. Date of Last Activity- inaccurate XXXX opened- inaccurate XXXX. Account XXXX inaccurate XXXX creditor remarks Two-year payment history shows XXXX, Equifax XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.