davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my repfrts and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on FINANCIAL CREDIT NET XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-05
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (WA)

Purchased our home in XXXX on a 30 yr fixed lone. I noticed an issue with the payment amount almost immediately. It took many calls to the company and with our insurance agent. I was told a different story every time I called. Finally found out that an insurance co. we had never heard of was getting paid out of the mortgage payments. Instead of refunding the $ to us they said that they put it on the end of the mortgage principal. I never seen any papers to show that they did this. Our payments were supposed to start at {$13.00}??.?? /month. I believe that they started at XXXX?? XXXX. We were told that if we were not late on any payments for 3 yrs that they would drop the mortgage insurance and that we could refinance to lower our payments. XXXX I called to have the mortage ins. dropped and to refinance. I was told that the mortgage ins. stays on the loan for the life of the loan and that they decided not to refinance manufactured loans. Our payments are now $ XXXXmonth. In XXXX I called to make a payment of {$2000.00} on the mortgage because I had recieved a forclosure warning a few days before the payment was due. After I paid the XX/XX/XXXX payment I got another letter warning about foreclosure. I called many times and every agent told me a different story. Then one agent told me that the XX/XX/XXXX payment was put on a principal payment not a mortgage payment. I explained that I never okey 'd that. It was the same as always a mortgage payment. He put in a note in my file, told me to wait a week then call to see what the company decided to do. I called in a week, again the agent couldn't help me. I looked on line and it still showed that I owed for 2 payments. I called again and the agent told me that a decission on my case wouldn't be made till XXXX XXXX. I still can not find out if they corrrected the issue. I was told that our payments went up because of taxes, but there is not way that our property taxes are causing our payments to be around {$600.00} more per month. A realtor just valued our property at {$420000.00}. And that is with the inflation of realty costs. 
Loan Depot is who our mortgage is through. I need to know why our fixed mortgage has gone up so much, it can't be just property tax. I don't want to lose my home because of an unfair payment amount. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a purchase and then I received an item that was not as described. I tried to contact the merchant several times to return it but they did not reply. I escalated this issue to credit card company ( Capital One ) and they did not help me out. They sided with scam merchant. I'm very disappointed by incompetency that I experienced with Capital One. If I don't receive my {$160.00} back, I will escalate this to government official. This has been ongoing issue for months now and they're not helping me out.
Consumer complaint received 2021-11-05
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: Santander Consumer USA Holdings Inc. (MI)

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (WA)

Credit Karma has frozen my account for over two weeks now, which has caused me to miss credit card payments and has significantly lowered my credit score. I have submitted to them all needed documentations. I have reached out to them over 20 times over the last two weeks. They state that the department that handles account locks and freezes doesn't have a direct line or phone number to reach them.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TX)

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. 

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 2021-11-04
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX. Equifax is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
XXXX. Equifax is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices Equifax is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because Equifax is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if Equifax does not correct this matter in 30 days.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Debt Collector, " AARGON AGENCY INC, '' posted {$97000.00} Open balance, opened XX/XX/2020 Original creditor " XXXX XXXX. '' Debt Collector, " AARGON AGENCY INC, '' has failed to validate in timely manner ; and has failed to provide XXXX with " proof of contract. '' XXXX XXXX requests that XXXX be instructed to stop reporting the above information without showing debt was validated by written proof of contract. 
Thank you
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a past due of {$13000.00} Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a high credit of {$9800.00} Experian is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020 a bogus judgement was filed against me, and a lien in Small Claims Court. 
I have inform the company several times that I do not owe the debt they are claiming I owe. The amount originally started out approximately XXXX and now has accelerated to approximately XXXX. 
The creditor kept reselling the paper to other companies over the years. I paid a credit repair company to assist me in resolving the matter, but as of to date they have been ineffective. 
All I got was a judgement and a lien against me, without a court date to appear. I have spoken directly to the law firm representing the creditor and I ask them to present to me documentation with my signature, but as of to date they have not.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police report
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.
Consumer complaint received 2021-11-05
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)

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
XXXX has different account number than Experian and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC

1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Capital One Bank XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (FL)

I was driving down the plaza in XXXX, FL and I approached a stop sign. A lady walked to my vehicle and told me that there is going to be a XXXX XXXX dollar gym being installed in the space behind her. And she asked if I would like to sign up. I told her yes only if I can pay as I go. On the opening day I showed up and looked around the front area of the gym. Never explored any other areas. My debit card was charged XXXX for something I never asked for. I told the manager at the desk that I did not authorize this charge and he told me that I made a committment to pay until XXXX. So I was lied to when the lady said I can pay as I go. I never went! And I am still not going ....
Consumer complaint received 2021-11-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

In 2015, I took out this loan for XXXX XXXX. I signed a master promissory note. Per my contract, the alleged debt was paid for using a negotiable instrument which is my promissory note. According to 16 CFR 433.1,2,3, a promissory note is a promise to pay and my social security number was used to extend credit for this note meaning this is already paid for. Title 18 states all alleged debts are the obligation of the united states. I am invoking my rights as a federally protected consumer and debtor.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

Hello : I have not received requested information for validating this debt. I have made multiple attempts to fix problem with company. 
XXXX XXXX XXXX XXXX XXXX stated We do not show receiving any documentation directly from the consumer. 
I mailed certified letters requesting verification. 
( See Exhibit XXXX ) ( See Exhibit XXXX United States Postal Service XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX in response to a credit dispute our office mailed the consumer correspondence. 
The reason for complaint is discrepancies and inaccuracies. According to creditor they stated, The credit reporting appears accurate for this file as per creditor records. Please provide a copy of the written agreement that created my original requirement to pay? 

According to my rights as a consumer, the commission of XXXX XXXX a printout of bill or itemized document does not qualify as verification. Also, stating appears accurate is in violation of my rights as a consumer.