davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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: GOLDMAN SACHS BANK USA (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX account, account XXXX. Specifically, late payments were reported for the months of XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MD)

1. Onemain- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but Onemain is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - In year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (NY)

I have a VA loan. The original loan amount is {$56000.00} and I'm behind by {$15000.00}. I found a buyer who signed a sales agreement on XX/XX/XXXX. The closing date has been rescheduled 5 times. The lender refuses to provide a payoff letter so that I can sell the property. 

I had a XXXX XXXX Bankruptcy filed on XX/XX/XXXX and closed on XX/XX/XXXX. It was reopened because there was a balance of {$13000.00} owed to two of my creditors. 

The lender refuses to provide a payoff letter to me personally or the closing attorney that I hired. They are forcing me into foreclosure or another bankruptcy situation. 

There is enough money from the sale {$110000.00} to repay the lender, pay both realtors, and pay my two creditors. I have requested this letter multiple times and they are not willing to work with me.
Consumer complaint received 2024-09-18
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. (NY)

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea where they came from. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even refreshed the browser, thinking it was some kind of glitch, but the accounts were still there. Because of this issue, I'm asking that the documents I submitted be carefully reviewed so I can stop worrying about this ever happening again.
Consumer complaint received 2023-11-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX has no late payments/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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXXXXXX XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (WI)

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 ND MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Consumer complaint received 2023-08-29
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. ()

I attempted to make a purchase on XXXX. On the XXXX of XXXXThe payment was denied. 

As a result, I called " CHASE United mileage plus select '' VISA. 
I was told my account was locked. I asked them why and they said they would send a code to my phone. I gave them the number and they said they could not send a code to a number in XXXX. ( I have lived here for 12 years and they were aware of it. ) They said I should call the security center, and they could send me an email with the code. I called the " security '' department and explained what happened. They said they were unable to send a code to my email. After some time, they said they could ask me some personal questions and if I was able to answer correctly they would proceed with unlocking my account. 
After they asked me the questions, of which I only recognized one, I was told I had failed the questions. 

They told me they would forward my issue to a higher department and I would recieve a " CALL '' within the next 48 hours and to keep my line open! Remember, they told me they could " not call my number in XXXX! '' I would just get another credit card in the U.S, but I currently do not have a U.S. address. I got the VISA when I lived in the U.S. 

I have other issues with this card, but I will address them on future emails to you. At present I just need to have my card unlocked. 

Thanks, XXXX
Consumer complaint received 2023-08-29
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-29
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to file a complaint regarding Navy Federal Credit Unions reporting of an incorrect address to the credit bureaus that is affecting my personal information.

Despite notifying Navy Federal of this issue, they have not taken effective action to correct the error, and their inaction may negatively impact my personal credit information as it is inaccurate. They told me the bureaus are the ones to fix it and yet the bureaus just report the address as provided by NFCU so it is on NFCU to correct.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (KS)

I found out that my credit card was seized by XXXX XXXX XXXX without my consent by my credit card agency when I called them. XXXX XXXX XXXX was unable to provide any assistance in the matter or clarify how to fix the problem. When asked, they were unable to provide a supervisor name or authorized staff to assist with removing my account from the person who stole my add information.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

I wanted to pay my loan and renew it and I asked three times will I be able to get the money I need and the so call manager that was there told me yes. So I paid and renew my loan and there was no money there which I needed as soon as possible and I call back and ask can they just not renew it and just put it as a payment they say yes. So next thing I see they refunded the money back and tell me I'm on the repo list and charged me more than what my payment was suppose to be. They got nasty over the phone and I'm not the one to go back and forth so I hang up. Also when you sign up for a loan instead of the customer seeing how the service work and giving they honest opinion they ask you to go rate them and give them 5 stars. This is my second time dealing with them because I really didn't have a problem in the beginning but now this time they just doing too much with these high payments and don't try to work with you and the interest rates are ridiculous. I can't include dates because I just went on my portal and I see no payment history like what is wrong with this company.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USA DISCOUNTERS LTD (MD)

I have an account that is from identity theft and is not mine that is still reporting on my credit file ... I am attaching a copy of my policer report as well as a notarized affidavit regarding this matter these collection attempts need to be stopped immediatley and this account deleted from all credit reporting agencies..
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.