davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I obtained my credit report and discovered multiple errors. I send a letter to TransUnion stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and was yet again met with the same response. I called Transunion and asked to speak to a supervisor to dispute the matter. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I want all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Transunion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Consumer complaint received 2019-07-10
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: EQUIFAX, INC. (CA)

I recently ( XX/XX/XXXX ) had two positive changes to my XXXX acct ; 1 ) XXXX increased my credit limit by {$6200.00} -- improving my utilization ratio 2 ) FULLY paid bal on XXXX to {$0.00} bal. These changes were noted on my Equifax report ( via XXXX XXXX XXXX on XX/XX/2019 It would seem that these positive changes would have potentially increased my score. However, the reported changes caused my Equifax score to go DOWN 11 pts to XXXX ( as the new score )! On the other hand, my XXXX XXXX score INCREASED 6 pts to XXXX ( after the same changes were applied ). I called XXXX XXXX and they told me I had to contact Equifax, as the score is determined by the credit reporting company. Due to systemic technical issues, I was unable to submit a written investigation request directly to Equifax. I then called Equifax and was informed that they " understand my concern '' but, I will need to contact XXXX XXXX!! I have submitted two written requests to XXXX XXXX to investigate and correct. On XX/XX/XXXX, I finally got a written response to one request in which XXXX states again that they " understand my concern '' and list the factors contributing to the new lower score, all of which I am aware of, BUT DON'T APPLY IN MY CASE, NAMELY : 1 ) My utilization did NOT increase ( it actually improved! ) 2 ) I have 100 % timely payment history on ALL  accounts 3 ) NO derogatory mark has been added to my report 4 ) No old account was closed 5 ) No new account opened that has not already been accounted for. 

I am requesting that Equifax review the score and adjust accordingly. I can not understand how two positive changes, could bring my Equifax score DOWN 11 pts, to XXXX ; while those same two changes INCREASED my XXXX XXXX report by 6 pts to XXXX. 

PLEASE help me correct this as I am getting the runaround by both the credit agency and XXXX XXXX. I have been diligent in monitoring my reports, and have worked very hard to come from Bankruptcy to this point in my credit history! Thank you so much for your help. XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! 

This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies PORTFOLIO RC and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX is a recorded message from Capital One CC. The voice says, Hi this is XXXX ... and goes on and on. They call all hours of the day and night and even though I blocked them and it goes straight to voicemail, I delete them. I have received over 30 calls in about less than a month. I am going through XXXX XXXX, no longer work and have sent them a cease and desist letter but they ignore it.
Consumer complaint received 2019-07-09
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: SYNCHRONY FINANCIAL (FL)

I am filing a complain for Care Credit/Sychrony Bank this account was paid in full to a debt collector and it is reporting as a charge off on the credit bureaus XXXX and XXXX it was removed from XXXX credit report. There is no consistency on the information I have documentation from the third party debt collector stating this account was finalized and paid in full. I have been 6 months already fighting with this issue with no response, Under what consumer federal law state that an account that was sold to a third party had to remain on the credit bureau as a charged off for 7 years
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2019 I was instructed to contact Experian Credit Bureau by my mortgage lender and either update the fraud alert with my cell phone number XXXX or in the alternative have the fraud alert removed before we can close on my VA Mortgage. I have contacted Experian by Phone several times and they allege they cant validate my identity over the phone. I have uploaded a copy of my Drivers License, Social Security Card, Written request form, and a current utility billing statement to their website and also followed that up by mail. To date I have not been provided the relief requested and the Credit Report still has a fraud alert without my cell phone number attached. I want the alert updated to include my cell phone number or in the alternative removed in its entirety.
Consumer complaint received 2019-08-01
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. (NC)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX,XXXX/XXXX  XXXX,XXXX  XXXX  (Original Creditor: XXXX) 3XXXX,XXXX XXXX XXXX andXXXX XXXX XXXX
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a XXXX XXXX / Capital One account that was closed in XXXX. Now it says in XXXX that I have a 90 day in the year XXXX. This bill was sold to a collection company in XXXX or XXXX. This should not show up on as late now!!
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX XXXXXXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX  XXXX - I am not late on the month it shows on the report 4. ) XXXX XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent
Consumer complaint received 2024-08-04
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. (DE)

Experian and XXXX failed to investigate errors on my credit report. XXXX XXXX XXXX  has reported a failed late payments on my credit report. XXXX has refused to update my payment history correctly as paid in full I have sent in many documents showing how XXXX XXXX XXXX  has been reporting incomplete information on XXXX in the payment history they failed to report on time payments. Experian and XXXX has different payments dates reporting. 

This is my late warning be I sue them. I spoke with my lawyer, my lawyer 's documents will reach XXXX and the credit reporting agencies immediately concerning this issues. All previous documents will be in the attachments.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XX/XX/XXXX to XX/XX/XXXX (19 months) I had a recurring payment of $XXXX monthly without my consent and acknowledgement on my daughter's checking card. Transunion plus subscription service has been charging me for months without proper notice to customer. I also do not have any record or even active account with Transunion plus that I have agreed for this service. I contacted the company regarding this matter and they said only thing they can do is to cancel the subscription but no refund because I must have agreed to subscription however upon researching, it seems that they have done this to many others without proper notice (They trick you into their service). I have never given them my daughter's checking card number to begin with.
Consumer complaint received 2019-07-10
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. (IL)

I contacted Trans Union and and requested a contract or legal document that binds me to a itme on my credit report because i can Not identify this {$650.00} XXXX XXXX item and they did Not provide me with the information yet say that this item is accurate investigation number # XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Hello, I moved out of XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary. 

XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX. 

My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.
Consumer complaint received 2019-07-09
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: Convergent Resources, Inc. (CA)

Re : XXXX report names does not belong or incorrectly appears in the report Name 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 - Paid in full Disputed XXXX Bank Error ReOccurring as of XX/XX/XXXX as amount owed Balance {$380.00} Date OpenedXX/XX/XXXXActivity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount XXXX XXXX XX/XX/XXXX Loan Type Secured Date Closed XX/XX/XXXX. 
Date Reported : XX/XX/XXXX Collection Agency CONVERGENT OUTSOURCING , INC . CLOSED XXXX XXXXBALANCE ReOccuring Date XX/XX/XXXX Original Creditor Name XXXX XXXX Original Amount Owed {$400.00} Creditor XXXX XXXX or XXXX Amount {$400.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX dispute with XXXX XXXX paid in full closed the account XXXX XXXX charging customer amount for service not needed. therefore Closed the account/ I do not have cable with them. 

XXXX XXXX XXXX {$120.00} unknown account. Revolving XXXX ( I still have account with XXXX XXXX XXXX been long customer since XXXX )
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My card information has been hacked. I got a solicitation purporting to be from Capital One requesting me to give them a new card number as my old card number had been declined by XXXX XXXX. I have never I am sure donated to this charity.
Consumer complaint received 2019-08-01
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. (HI)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX,
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Hello, how are you sending this complaint by this means and have tried to remove the fraud alert from my credit report, they asked me to send my documents to verify me and remove the alert I sent my DOCUMENTS more than 20 days ago and they still do not receive them I want to send my DOCUMENTS through this complaint thanks.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is in violation of RESPA and CA Home Owner Bill of Rights. 

CAHBOR requires lenders and servicers operating in CA to allow homeowners to avoid foreclosure via loss mitigation options including SHORT SALE. SPS is acting as a foreclosure mill and trying to force only foreclosure options which is ILLEGAL. CA HBOR requires lenders and services to help homeowners AVOID foreclosure. 

SPS is in violation of RESPA which REQUIRES lenders and servicers to work a foreclosure alternative program request and provide answer within 30 days. By SPS refusing to open a short sale request they are also in violation of RESPA.
Consumer complaint received 2019-08-01
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. (AL)

I have disputed the student loan account with XXXX   for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX , USDOE/XXXX XXXX, USDOE/XXXX XXXX, DPT ED/XXXX XXXX and DPT ED/XXXX XXXX
Consumer complaint received 2018-04-18
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. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Compliance Officer ; I was going through my credit report in the last week or so and noticed something on my credit report that doesn't seemed right. I noticed that there was a account opened on my name early this year ( XX/XX/2019 ) with a balance of over $ 400+ for something I never applied or used the account for. 

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract, application, the agreement used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours, XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (SC)

I had a collection account added to my credit report in XX/XX/XXXX for a utility bill from XXXX XXXX. I never received the final bill and never received an attempt to collect payment for the final invoice for XXXX XXXX. The amount of the invoice was {$99.00} and all my other invoices I had received a statement through email that prompted my payment of the invoice. I am being told 2 different stories. XXXX XXXX tells me they did not have a forwarding address which means they could not have mailed the final invoice to me. The collection company claims they had an address on file once it came to them but that address was provided by myself when I called to clear the account. There has been a lot of back and forth. The customer support at XXXX has been good but Online Collections XXXX is rude and unprofessional. 

As well I was never contacted by the collection company about resolving the issue. It was not until I applied for a mortgage refinance that I learned the collection was on my account and I cleared it up quickly trying to get this removed from my report. 

Unfortunately I have been lectured by XXXX about my responsibility etc and did not appreciate being talked to like a child while trying to inquire about having the collection account removed since it was paid.