davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MA)

After XXXX missed auto-payment to XXXX I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( XXXX ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.
Consumer complaint received 2023-05-04
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. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX Charge-Off, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

This was transferred to Westlake from XXXX. They do not have permission to report on my credit. It is a medical installment account. I called repeatedly to update the card as the online account wont let me change the reoccurring payments and I was not able to.
Consumer complaint received 2023-05-04
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: Nelnet, Inc. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED/XXXX : Installment Loan, has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-05-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bure are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2800.00}
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. (MO)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} ACCT XXXX XXXX  - XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$510.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX {$890.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (MI)

Early Warning is reporting fraudulent information on my credit profile and refuses to block the information pursuant to the Fair Credit Reporting Act. I submitted my identity theft report along with a police report to Early Warning on XXXX XXXX, 2015. On XXXX XXXX, 2015, I was told that Early Warning will not comply with the Fair Credit Reporting Act, Section 605B and will continuously report fraudulent information and cause harm to me in doing so. I was told via the telephone from a representative of Early Warning that XXXX XXXX XXXX " confirmed '' the information and will not allow them to block it despite it being fraudulent.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

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 To whom it may concern, I am writing in regard to the ( account number ) on my credit report that has been reported as charged off. I dispute this information as I believe that it is not in compliance with Metro 2 credit reporting guidelines. 

According to Metro 2 compliance guidelines, a charged-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charged off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported to credit reporting agencies. The DFD is the date when the account first became delinquent, and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported. 

I request that you investigate this matter and provide me with documentation showing that my account was reported in compliance with Metro 2 guidelines. If you can not provide this documentation, I request that you remove the charged-off status from my account and update my credit report accordingly.

Please note that failure to comply with Metro 2 guidelines could result in legal action, including a complaint to the Consumer Financial Protection Bureau. 
AND IT ILLEGAL TO PUT THIS INFO ON MY CREDIT REPORT MY METRO REPORT BY THE XXXX XXXX XXXX ILLEGAL MEAN NOT AUTHORIZE BY LAW, UNLAWFUL, CONTRARY TO LAW The resolution of this matter now rests with your bureau. I urge you to take appropriate and immediate action. 
Thank you for your attention to this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2016-02-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.
Consumer complaint received 2016-03-22
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (OH)

XXXX XXXX, XXXX : Company called place of employment to inquire about debt owed. I returned phone call and asked to remove work number from their contact list. 
XX/XX/XXXX-XX/XX/XXXX : Company resumed calling employer, despite verbal confirmation that work number would be removed from contact list.
Consumer complaint received 2015-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MI)

mortgage loan ; we applied for a mortgage loan and we are told that have to wait until XXXX. we had filed bankruptcy XX/XX/XXXX with a discharge date of XX/XX/XXXX the mortgage that XXXX most recently applied, said the mortgage company did not report until XX/XX/XXXX that is our current dilema from our old mortgage company. i pulled a credit report and it does show on 1 credit company.can we get help to move forward with the correction on our credit report.
Consumer complaint received 2023-05-04
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-05-04
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: Experian Information Solutions Inc. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which 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 reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-05-04
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (NY)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (AL)

I have report applied bank as a fraudulent account I even call email them sent theft report to them they still reporting this account .then Equifax is reporting old data to the creditor who is trying to let me have loans a call them the same guy put XXXX hard inquiries on my credit.. I believe this is a inside job to stop me as a XXXX XXXX to get any thing in life..also XXXX made agreement to remove late payment and accounts but didn't remove them..XXXX agree to remove late payment but didn't do so .. XXXX..was a fraudulent account by a credit repair company and also XXXX XXXX XXXX..was by the same credit repair  company..but they want remove the late payment or the account.. 
...
Consumer complaint received 2023-05-04
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. (OH)

Using various Metro2 and E-Oscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number .

I understand full well that Metro2 and E-Oscar are industry protocols created by the nonprofit organization XXXX XXXX, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number . 

You have 24 hours to e-mail me the results of your Metro2 and E-Oscar verification processes and protocols and list of eligible deletions.

If you choose to continue on this path of negligent and willfully defamatory reporting, I will invoke every measure afforded to me by the FCRA ( 1970 ) 15 USC 1681 et seq, TILA ( 1968 ) 1601-1667f, and RICO ( 1970 ) 18 USC 1961-1968 .

Subject : *Metro2 Compliance Check and Verification or Deletion* Using various Metro2 and eOscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number.

I understand full well that Metro2 and eOscar are industry protocols created by the nonprofit organization XXXX XXXX and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number .

You have 24 hours to e-mail me the results of your Metro2 and eOscar verification processes and protocols and list of eligible deletions. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all are in violation and the updated information is missing information and you are to now remove all of these account off my report within 24 hours
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (NV)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-04
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: Resurgent Capital Services L.P. (CA)

I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.