davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2019-04-24
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 90 -  120 days past due on the XXXX and XXXX XXXX  XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Consumer complaint received 2019-04-24
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. ()

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card XXXX : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX kept reversing my payments. The Creditor " XXXX XXXX  is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

On or about XX/XX/XXXX, I noticed several pending charges on my Discover card account. I immediately called Discover to report these as a fraud. Discover says these charges were made by my youngest son and that I authorized him to be a user on the card in XX/XX/XXXX. I dispute that narrative. They claim this authorization was made via a XX/XX/XXXX phone conversation with Discover customer service. Discover 's  fraud investigation admits they have not listened to the recording of this conversation but is holding me responsible for these charges citing that I said I don't recall ever adding my son to my card as reason enough to make me pay for them. Further, they refuse to listen to for themselves or share the recording with me. They are demanding I file criminal charges against my son or pay for the fraudulent transactions. 

I had to pay an attorney to subpoena the recording from Discover but to date, they have not produced the alleged recording yet they refuse to put any hold on the account and are demanding payment for the fraudulent transactions.

Discover is using unfair tactics to force me to pay a fraudulent debt that is not mine. Further, they are deliberately damaging my perfect credit by submitting negative information to the credit bureaus about these fraudulent charges. 

I'm nearly XXXX years old and have always paid my bills. I did not authorize anyone to use my account and if Discover has any evidence to the contrary, they need to immediately produce such evidence before demanding I pay or damaging my credit.

This type of practice is unconscionable and Discover should be severely sanctioned for such practices. If they are doing this to me, It is likely they are targeting many other consumers with these same tactics.
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an affidavit requesting documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on Debts without validating or even owning the debt. Placing this debt on my credit report. 

I found the CFPB filing against this same Collection company in XX/XX/2015 File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC are not validating dispute or sending any documents to show they own the debt or Validation of debt. 

Midland Credit Management is sending out generic letters informing there are changes to their credit reporting debts. In addition, this debt we will not be removed from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that proves they are the owner of the debt or even validate the debt. 

I sent MCM an affidavit to establish the ownership and validate the debt. They sent back this generic letter they are sending out to multiple people and I have proof. I have a friend that received the same letter. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are the owner of this debt and verify this is my Debt. 

Thank you please make them abide by the provision from the case XXXX XX/XX/2015.
Consumer complaint received 2019-04-25
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. (GA)

This is my third complaint reporting this, I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for XXXX and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. 
Please remove this account from my credit file. 
I am requesting these information to be block from my credit report a in accordance with the FCRA.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

See attached documentation. 

On XX/XX/XXXX, I made an electronic payment directly from my Capital One business checking account to my Capital One Business Mastercard in the amout of {$1000.00}. 

On XX/XX/XXXX, Capital One withdrew an additional {$1000.00} electronically and made a payment through my bill pay to a Capital One Visa card ending in numbers # XXXX. I DO NOT HAVE A VISA CARD AND I DO NOT HAVE A VISA CARD ENDING IN # XXXX. See attached documentation. 

I called Capital One on several occassions to advise them what happened and they told me that the Visa ending in # XXXX was an authorized card which was added to my business account back in XXXX. As explained to these XXXX, I didn't own a XXXX  back in XXXX nor did I have a Capital One Visa card. They added this Visa Account to my bill pay and paid off someone elses bill with my money.
Consumer complaint received 2021-02-12
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: Santander Consumer USA Holdings Inc. (OH)

The auto loan company Santander has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. Santander was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX  report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (CA)

I am unable to pay the loan amount at this time, I tried to work out a settlement and they did not accept that. I plan to pay but they call distant cousins, brother in law, my employer and ask for my Supervisor, called my mother and my sister and my ex wife stating they have filed a lawsuit against me. they are harassing me when I am already willing to make arrangements.
Consumer complaint received 2024-08-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Dear Experian, XXXX, XXXX This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-12
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. (TX)

I've recently reached out to XXXX XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2021-02-12
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. (GA)

In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting an erroneous account on my credit file. I recently checked my credit and noticed that I have an account reporting on there that I am not aware of and does not look familiar to me. I am on someone's account as an authorized user but it is not my account. I never signed anything authorizing this account to report on my credit and I never requested to be added on this line of credit. I need my name removed the the account and deleted from my credit file immediately. This is not my account and I was never aware of this.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

On XX/XX/20 I spoke to and made an agreement with ERC Enhanced Recovery Collections regarding my XXXX XXXX XXXX account. We agreed that if i paid in the requested amount to settle the account they would remove it from my credit and as of today they have not done so despite the fact that i kept my end of the bargain. I am trying to purchase a home for me and my sons and I need this to be removed as we agreed to. Thank you!
Consumer complaint received 2023-09-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

XX/XX/XXXX we finally got the assumption packet from Carrington after having to call and do escalation requests. Since the buy completed all documentation requested by Carrington so they could assume our loan. They company refuses to give us a stats and merely sends an email that's says, " packed submitted to underwriting, it typically takes 5-7 days '' the buyer will be notified. However the package was submitted on XXXX XX/XX/2023 and we still have not been given an update. We only receive the same 5-7 day timeline which they have already passed.
Consumer complaint received 2021-01-14
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. (CA)

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to Equifax, XXXX  and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Red Cedar Services, Inc (IL)

They are trying to collect on a Debt that I DO NOT OWE!!!!! This debt was paid to them in full on or about XX/XX/2019 according to my bank, I have TOLD 500 fast cash this Numerous times, and still they call me trying to collect, IM NOT PAYING THEM ANYMORE MONEY, I PAID THEM ALREADY, and yet they keep harassing me and wont STOP, Ive called them Numerous times, emailed them Numerous times, gave the PROOF the debt was paid, yet they keep calling me