davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

Hi! 
After reviewing my credit report and after much research, I notified XXXX Experian and XX/XX/XXXXto verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXXXXXX but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, Experian, and XXXX report.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

In getting pre-qualified for a mortgage loan and being denied for derogatory history shown on my report. I did not recognize any of the derogatory accounts and I realized someone had stolen my identity. As soon as possible I contacted the various financial companies that had granted credit in my name and one of them was XXXX Acct No XXXX ; as I explained the account was not mine, they opened an investigation which lasted over two months and at the end, according to investigator XXXX XXXX since the account reflected a couple of payments were initially made to this account and the account was in my name, I was still responsible for it. I explained to her that I never had an account with XXXX XXXX XXXX and believed it had been also opened fraudulently. I went to a XXXX XXXX XXXX Branch and spoke to XXXX, an assistant management who confirmed the alleged account, number XXXX had been opened in XXXX, AZ and it was now closed. I told her I had never been to that city in AZ nor had opened an account with them, XXXX suggested I opened an investigation which I did and is still in progress. After I found out about the XXXX XXXX XXXX account, I contacted XXXX, the investigator at XXXX XXXX, after multiple tries, I spoke to her briefly after multiple attempts and told her of my findings and asked them to conduct a more in-depth investigation on this account which they refused. I still do not understand how a line of credit for an amount close to {$100000.00} was granted so easily in my name when there were multiple red flags that suggested fraud as the thief provided a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) considering XXXX have had my information in their records for over 14 years I have had my checking and savings account with them for all this time which could have been crossed referenced and questioned it. XXXX XXXX made a big mistake and now they expect me to undo their mistake and in the meantime my credit record has been ruined and my mental and physical health is been detrimentally affected. All I am asking is for a throughout investigation be conducted by XXXX XXXX who created this mess by not conduction their due diligence at the time of granting the credit and who now expects me to fix it. Please help
Consumer complaint received 2021-01-22
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. (MA)

Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Hi! 
After reviewing my credit report and after much research, I notified equifax XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my Equifax, XXXX, and XXXX report.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi! 
After reviewing my credit report and after much research, I notified XXXX XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, XXXX, and Transunion report.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CO)

In XXXX of 2020 I was saddened to see my credit was dramatically affected by an unfair miscommunication on behalf of American express. I was made aware my American express Gold card was delinquent. I was furious because I was assured by an American Express Rep my card was on Auto-Pay when it clearly was not. I paid the total amount on the card in full upon my acknowledgment of delinquency and politely ask we get this taken care of as soon as possible.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (CT)

On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to Equifax in XXXX GA XXXX to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.
Consumer complaint received 2021-01-23
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN INTERNET MORTGAGE (DC)

At the end of XX/XX/2020 I entered into a forbearance agreement with my mortgage servicer, XXXX XXXX/AIM Loan. This forbearance was a result of a reduction in income from the COVID-19 pandemic. On the date I entered into the forbearance I was a couple days away from being 30 days late on my mortgage. Once I was offered the forbearance, I used the funds intended for my mortgage to cover other expenses. I later discovered that the lender was reporting by account 30 days late every month during the forbearance period. After discovering this, I made one months payment to cover the amount that was due before I began my forbearance period. In XXXX of 2020 I communicated to the servicer that I wanted to end my forbearance agreement and I resumed making payments on XX/XX/2020. However, after checking my credit report I discovered that my servicer continued to report my account as 30 days late even after making the one months payment that was due prior to my forbearance agreement. After speaking with them they told me they would continue to report my account 30 days late until I have repaid the entire lump sum amount that accumulated during the forbearance period or completed the loss mitigation process. As a result, every month I continue to go back and forth with them on documentation for loss mitigation, they continue to report me as 30 days late. Currently, my credit report shows me as 30 days late for every month starting in XXXX of 2020, despite the fact that I paid the amount that was due before the forbearance period and resumed making regular monthly payments in XXXX. Moreover, I was denied a deferral without an explanation or an opportunity to respond. 

The CARES Act provisions of the law state as follows : ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 

First, I don't believe I entered the forbearance agreement 30 days delinquent because they gave me approval of my forbearance in XXXX a week before I was 30 days late. Second, I paid the delinquent amount during my forbearance period bringing my account current. To interpret current as also including the amount accumulated during the accommodation period would ne an absurd interpretation of the law.
Consumer complaint received 2021-01-23
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. (GA)

While XXXX with the United States XXXX, I received late charges to my XXXX XXXX  credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX collection department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.
Consumer complaint received 2021-01-23
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. (OH)

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (PA)

Complaint # XXXX was closed prematurely. Equifax did not resolve the issue. The evidence I sent in the complaint mentioned above was no evidence. I also submitted this information through the mail. You have an obligation to report accurate, complete and verified information. I submitted proof that the so-called verified bankruptcy with no financial accounts was removed from XXXX. The account XXXX XXXX XXXX XXXX # XXXX that you have as part of the bankruptcy was verified by XXXX as a paid charge off account. So again how did you verify it as part of a bankruptcy? Credit Bureaus are obligated under the FCRA to report and verify the information and not reporting different information for the same account. It is violating my rights as a consumer. Please do not answer this complaint with a generated automated response. I need this to be investigated and to report accurately on my report. When you file bankruptcy there have to be accounts filed under the bankruptcy. There are none. What is the purpose of filing bankruptcy with no accounts or financial information?
Consumer complaint received 2016-12-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.
Consumer complaint received 2018-04-23
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. (NY)

My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.
Consumer complaint received 2018-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation (NM)

Affiliated Acceptance Corporation continues to charge me for a membership with a company I no longer am associated with. On XX/XX/2018 I signed up with XXXX XXXX in XXXX XXXX New Mexico for a membership. I was reluctant to do so because I travel extensively and am not able to use their facilities much more than two or three days a month. The employee at XXXX XXXX assured me that this would not be a problem because they could just " put my account on hold. '' XXXX XXXX received a one week notice that I was going to be going to XXXX  and would need my account to be placed on hold. They received a 72 hour notice. By the time I gave them a 24 hour notice, I was charged for the month of XX/XX/XXXX. I wasn't in XXXX XXXX during the month of XX/XX/XXXX and they were not authorized to charge me for that month but they did anyway. Now, Affiliated Acceptance has decimated my credit score by reporting this as a late pay. They know the situation yet they continue to charge me even though I no longer wish to do business with XXXX XXXX.