davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with National Credit Adjusters, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-04-21
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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 contacted Experian multiple times and spoken with the supervisor about my issue and all they said that it were verified. So I sent them a certified letter requesting immediately validation of proof with signed documents. And a letter requesting proof of validation within 15 day 's are else removed the bankruptcy account from their file. The law states that everything that gets reported have to a 100 % accurate. My question is how XXXX, XXXX, XXXX, did a investigation and removed the inaccurate bankruptcy information from their credit file, But Experian continue to report the inaccurate information without sending are showing proof of validation. it's time for actions now. Legal action need to take place.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

I applied for SCRA benefits on XX/XX/XXXX. On XX/XX/XXXX I received a denial letter stating Your loans are not eligible for SCRA based on your spouse 's XXXX  status for loan XXXX. The SCRA State Laws for community property states you must live in a community property state or be called to active duty to a community property state in order to be eligible. 

My husband has been XXXX XXXX since XX/XX/XXXX. When I applied for SCRA benefits I also submitted my husbands military orders, marriage certificate and XXXX  ( earning statement ). On the XXXX it shows that Ohio is our home of record. Under XXXX revised law you do not need to reside or be stationed in a communal property state to receive benefits. 

Under XXXX SCRA law it states that Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to service-members dependents, which generally include spouses, children, or any other individuals for whom the service member provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. 

Also, Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. 

Below is the reference : XXXX. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. 

Due to these circumstances, I would qualify because of the unique protection that Ohio has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

These factors make this account eligible for benefits and I should not have been paying the high interest for my account for over 10 years. I have tried rectifying this multiple times and every time I am denied. Yet, I know of others in the same situation who have applied and are approved for SCRA.
Consumer complaint received 2024-02-01
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. (CA)

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. I told XXXX, Transunion, and XXXX to reinvestigate this account that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-04-21
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. (TN)

I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX, XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Good day, please read this complaint seriously. There are erroneous information on my credit report which are really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2023-04-12
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX : Bankruptcy Reference Number XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX ; {$0.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Do you have any idea how stressful it is to be constantly worrying about your credit score? I have been thinking about how negatively this affected my life during emergencies, only to find out that there are errors and inaccuracies being reported on my credit file.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Exsperian credit reporting company name is XXXX corporate fetti webbank iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years agoXXXX The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies
Consumer complaint received 2023-08-17
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)

KOHLS DEPT STORE IS FRAUD, THEY TELL AND LET THEIR EMPLOYEE 'S TELL CLIENT WHEN APPLYING FOR A CREDIT CARD " IT WILL BE A SOFT INQUIRY '' IT IS NOT, THEY HIT MY CREDIT REPORT WITH A HARD AND SOFT INQUIRY, THEY WILL NOT REMOVE IT, THEY ARE COMMITTING FRAUD AND GETTING AWAY WITH IT. TRY AND DISPUTE AND THEY SEND YOU TO SOME OTHER COUNTRY WHERE YOU CAN NOT UNDERSTAND THEM ( PURPOSELY ) YOU CAN NOT HAVE XXXX, XXXX, XXXX REMOVE THIS INQUIRY. THEY KNOWLY ARE DOING THIS BECAUSE I SPOKE TO AN EMPLOYEE AND SHE STATED THEY GET A SMALL COMMISSION BY PULLING THIS FRAUDULENT ACT AND DO IT DAILY BY THE HANDFUL TO MAKE A BUCK TO THEIR EMPLOYEE 'S THAT BASICALLY MAKE MIN. WAGES. ANOTHER USA DOWN THE TANKER DUE TO MAKING THE OH ' MIGHTY DOLLAR DUE TO CORPORATE FRAUD AND GREED $!
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I gave them all my information I asked for the account to be verified and reinvestigated. I asked them to provide me with certain documents such as ; pay off disclosure XXXXInterest Rate Disclosure XXXXBalance History XXXXPayment History XXXXdate open and closedXXXX Date last active.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

In XXXX Synchrony Financial Bank closed my HSN credit card just because I did not own a home and that is descrimination against non home owners .... This card I had since 2013 AND EXCELLENT PAYMENT HISTORY WITH XXXX  XXXX  the previous owner of card or issuer before this troublesome bank.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I wanted to apply for a car loan with XXXX XXXX XXXX. However, I got a letter in the mail on XX/XX/XXXX from them saying that they were unable to offer credit to me because my credit score was low. Their reasoning was that I had an insufficient credit score, serious delinquency, ratio of balance to limit in bank revolving or other rev accounts too high, and the time since delinquency is too recent or unknown. I want to dispute this because my credit score is lowering for a credit card that never arrived to my house. I need you guys to please get in contact with XXXX to resolve this. Their phone number is XXXX. If this goes not get resolved, I will take legal charges because my credit went from a XXXX to a XXXX for no reason. I would like a response as soon as possible as to how this can get fixed. I also talked to a representative from your company like a month ago and she offered to return my XXXX dollars that I deposited for a fee of a card I never used. I received that check and I deposited in WellsFargo Bank. Thank you and have a great rest of your day.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am writing to express my disappointment regarding the unresolved inaccuracies on my credit report, despite multiple previous dispute attempts. As a diligent consumer, I have consistently adhered to the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in an effort to rectify these discrepancies. 

Upon reviewing my credit report, I have identified several items that contain erroneous information. Despite my repeated efforts to dispute these inaccuracies through your agency, they have not been appropriately addressed or corrected. This failure to rectify the errors has had a detrimental impact on my creditworthiness and financial well-being. 

Under the FCRA, consumers have the right to accurate and verifiable information on their credit reports. It is disheartening to see that despite my compliance with the dispute process and provision of supporting documentation, the inaccuracies persist. 

I urge your agency to take immediate action to investigate and rectify the disputed items on my credit report in accordance with the FCRA guidelines. Additionally, I request that you provide me with a detailed explanation of the steps taken during the investigation process and the outcome thereof. 

Furthermore, I would appreciate your assistance in ensuring that such inaccuracies do not reoccur in the future. I trust that your agency will uphold its obligations under the FCRA and work diligently to resolve this matter in a timely and satisfactory manner. 

Please find attached copies of relevant documents, including previous dispute correspondence, to facilitate the investigation process. I expect a prompt response to this dispute complaint within the statutory time frame stipulated by the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

on or About XX/XX/2023 I received an updated copy of my consumer credit profile from Equifax, and I notice that XXXX XXXX XXXX is reporting inaccurate information on my consumer credit profile after I have opted-out.
Consumer complaint received 2024-04-29
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. (WI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

XXXX XXXX  sold our mortgage to AmeriHome Mortgage. We have a XXXX mortgage. AmeriHome has our Escrow set for property taxes over XXXX dollars a year. Our actual property taxes are just over XXXX  a year. This makes our monthly payment way more than it should be. I wrote a letter to their office with our actual tax amount and ask them to reduce the Escrow amount. This was over two months ago and I've heard nothing. I've called at least six times. Each time I'm assured that the problem has been resolved, and yet my monthly payment remains the same. I called two weeks before our XXXX payment was due and the person on the line said that they were going to get rid of the Escrow altogether, and we could just pay our taxes and insurance on our own. I agreed to that and asked him what our payment would be for XXXX. He said just over XXXX dollars until they could get the Escrow taken off. We sent XXXX to be safe. We just got a letter saying that our payment was XXXX short. In other words, they still have our Escrow at what it has always been. This in spite of the fact that at least four different people have assured me that the problem has been resolved. I am sorry that I haven't kept track of the exact dates of the calls, but Amerihome should have a record of all of this. I'm also somewhat confused about the actual amount I owe because I keep getting different information from each person I talk to. One tells me that the Escrow will be adjusted. The next tells me that it will be taken off altogether. I don't know what to do. I don't want to keep sending them way more money than we owe, but I can't get any help.
Consumer complaint received 2024-04-29
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I have an open collection account reported on XX/XX/2024 for PORTFOLIO XXXX. I tried to obtain the information the party who reported it to credit. Upon accessing the online account PORTFOLIO it says XXXX XXXX Account Number XXXX XXXXXXXX Your account information can not be viewed online at this time. 
Please call XXXX, XXXX at XXXX. 

After speaking with XXXX and creating an online account my information isnt available. My question is doesnt this means the open collection reported on my credit is inaccurate? 

12 CFR Appendix E to Part 1022 - Appendix E to Part XXXX Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies