davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
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. (CA)

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. 

I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud  department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (FL)

I have been trying to reach out to them for awhile regarding many things. They are impossible to get ahold of. They don't pick up the phone and they don't respond to emails. They even went above and beyond to hide their email and phone number. 

The company 's name is Roundpoint Mortgage Servicing LLC.
Consumer complaint received 2019-01-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (KS)

I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for XXXX XXXX, opened in XX/XX/XXXX/XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from XXXX XXXX still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these XXXX XXXX accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how XXXX XXXX and Ad Astra Recovery Services regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX. 


Sincerely, XXXX XXXX CC : XXXX XXXX Corporate Office
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform credit bureaus that the accounts reported below in not authorized. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A fraudulent application for a credit card was submitted by someone else under my name. It was for Capital One and I did not apply for the card. I also do not have any current accounts with the institution. 

I received official letters to complete the application process online but I never applied in the first place.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NV)

I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WV)

I am having significant issues with Experian to freeze my account. After I set up my account with the basics ( name, XXXX, username/password ), the website brought up a screen that said : " We're having trouble verifying your identity. Please call XXXX for assistance. '' When I called that number, there is no way to reach a human being and no way to help set up the account. Saying things like " technical support, '' " website assistance, '' " representative, '' etc. -- or even pressing " XXXX '' results in a recording saying that it can only transfer people in limited circumstances and to try the self-service options. The self-service options are very limited, and none are what I need. Nor can I find any further information on the website. I finally resorted to putting a complaint on Experian 's XXXX page, where there were a number of other complaints under a recent post, and " someone '' said to private message them. I prefer not to use XXXX to resolve these sorts of issues. 

More importantly, with Experian being one of three credit reporting agencies that are used to establish and track a person 's credit -- and assist when security breaches are rampant, such as RIGHT NOW -- a company such as this should be OBLIGATED to have a system in operation to help consumers PROTECT THEIR CREDIT REPORTS AND SCORES. 

Please assist in this matter. While searching for work-arounds, I see there have been numerous issues with Experian with this exact problem, stemming back to at least the beginning of this year. Please do not force me to start contacting my federal representatives in this matter. 

Thank you.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (AL)

Santander  repossessed  my vehicle  I was a month  behind. Truck  cost XXXX   had the  truck  for about 3 or four  years  they  repossessed  the truck  and  never heard  anything  else about it.  It does not appear on my credit report.
Consumer complaint received 2024-09-04
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. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-18
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. (ME)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-12
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. (FL)

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
Consumer complaint received 2024-09-04
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
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. (MA)

Dear XXXX XXXX XXXX XXXX XXXX Credit Bureau ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( # XXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 
In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved.

The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
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: Nelnet, Inc. (NC)

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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