davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
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. (NY)

Accounts on XXXX  and Transunion have been closed but still show as deliquent. There are inquires that should be on the reports.

XXXX XXXX XXXX XXXX  These accounts are not suppose to show
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.
Consumer complaint received 2024-10-09
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. (GA)

I am writing to formally file a complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXXXXXX XXXX survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Experian has refused to comply with its clear legal obligation. As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of XXXX XXXX XXXX XXXX XXXXXXXX I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. Experian refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXXXXXX XXXX As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the XXXX I endured. I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Experian complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as XXXX ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

There are accounts showing on my Experian report that I contacted them needs to be removed. The accounts were paid and per the creditors they agreed to remove from my credit agencies. XXXX and XXXX have removed them. However, Experian has an issue either removing or updating my information. These old outdated claims that were settled and paid need to be removed. 

They have the habit of removing accounts that are in positive status that need to be on my account. It took me almost 6 months to have the add an account they deleted in error to be added back on. What is wrong with this company keeping information accurate and removing what should not be there???
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have XXXX XXXX XXXX card through XXXX XXXX. I took advantage of a no fee, no interest balance transfer, However, they are now charging me a " minimum interest charge '' of {$2.00} per month. When I inquired about the charge, they claimed it was a finance charge and not interest. However, there is nowhere on the bill that refers to a finance charge. Then they claimed the charge was for additional purchases on the card. When I pointed out that I paid any additional purchases before the due date, and even made an additional payment of {$500.00} over the amount if new purchases, they changed there story to say is again a finance charge. 

I know this is a small amount of money, but if they are charging this to every customer who took advantage of this " free '' offer, they stand to make a huge profit.
Consumer complaint received 2024-10-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to demand the immediate correction of inaccurate information being reported on my consumer credit report regarding the XXXX XXXX account ending in XXXX. This account is being incorrectly reported as charged off, which is false and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires accurate reporting by furnishers of information to consumer reporting agencies. 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX regarding this account. In this complaint, I requested the 1099-C form typically issued for a charged-off account. However, as per the attached CFPB response from XXXX XXXX, the account was not discharged or settled but was instead sent to an outside collection agency. This directly contradicts the charged-off status currently reported on my credit file. 

Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inaccurate reporting of this account as charged off is a clear violation of this standard. Furthermore, under 15 U.S. Code 1681i ( a ) ( 1 ), you are obligated to reinvestigate and correct any inaccurate information upon dispute. 

I demand that you immediately update my consumer report to reflect the correct status, as indicated by XXXX XXXX, and remove the erroneous charged-off notation. Failure to correct this error within the legally mandated timeframe will result in further action, including additional complaints with the CFPB and legal recourse under the FCRA. 

Additionally, please send me an updated copy of my credit report once the necessary corrections have been made. I expect confirmation of these changes and receipt of the updated report within 30 days, as required by law.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.
Consumer complaint received 2018-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/2018, Federal Judge for the XXXX  District of South Florida XXXX XXXX. XXXX reopened the Bankruptcy case no. XXXX. The order was furnished to Select Portfolio via email to XXXX on the same day. We also spoke with servicer 's representative to confirmed receipt of Judge order and to discuss the sale date for XX/XX/2018. 

Because the Bankruptcy case was reopened the foreclosure action including the sale date must be canceled and the action must be placed on " inactive status ''. Select portfolio stated that they were aware of the case reopened because they have a system called PACER. 

Although the servicer had knowledge to the bankruptcy stay order they failed to cancelled sale date for XX/XX/2018 and place the foreclosure case in inactive status. The servicer 's action is a violation of Bankruptcy code 11U.S. Code 362 -Automatic Stay. 

The servicer has disregard for Federal Rules and also has engaged in Unfair business Practices. Cuurently we are being reviewed for a loan modification. The servicer continues to request documents over and over again just to get closer to the sale date. SPS continues to be deceiving in connection with the loan modification review. When we satisfy all loan documents requirements, SPS would communicate that no other information is needed and that underwriting will have a determination within 30 days. Instead of making decision, SPS will request document all over again and start at new. SPS has been playing this game for a while. There only objected has been to get closer to the sale date.

At this juncture we request for sanctions. SPS has violated Bankruptcy code 11 U.S. Code 362 and continues to deceived us in connection with the loan modification request and process. Sanctions are appropriate.
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2018-08-19
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. (MN)

I contacted Transunion and XXXX to dispute all hard credit inquiries on my credit report due to fraud and the XXXX  data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Attached is all of the documentation. Information was sent on XXXX  and there has been no response from Bank of America. Tried looking it up on the website and there has been no change. I'm not disputing that I purchased items from XXXX XXXX that were shipped out of the country. I'm disputing the Bank of America accepted the payments made and then two month later said the payments were not good. It's being resent because Bank of America is ignoring the last group of information sent.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately
Consumer complaint received 2018-08-19
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. (TX)

IN REGARDS TO XXXX : XXXX. XXXX  XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.
Consumer complaint received 2018-08-19
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: ReliaMax Holding Company (MD)

This is not my account. I had identity theft. Someone got this loan in my name. Was reported late. Remove from all credit bureaus.

Here 's the police report number XXXX XXXX City Police
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The late payments never happen. Delete account under FCRA 168 Under Section 168 FCRA this Late Payments Dated XX/XX/year>, XX/XX/year>, XX/XX/year> does not match my records nor the original creditors records to what reflects on my credit report therefore this item MUST be deleted under this law.
Consumer complaint received 2024-10-09
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. (NJ)

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-09
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. (WI)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2018-08-19
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)

IN REGARDS TO EXPERIAN : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.