davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

My credit report is showing a collection account from LVNV FUNDING. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I LVNV FUNDING LLC are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between LVNV FUNDING LLC and XXXX XXXX XXXX a detailed list of the history of payments, proof that LVNV have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I've noticed accounts that should not have been reported on my credit. 
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX opened a credit card account without my consent, it was marked as fraudulent within their system and was closed. However, this unsolicited account has been registered within my credit report and thus my credit score has been affected by this, resulting in XXXX pts. reduction of my credit score unjustly. I never was or am a customer of XXXX XXXX. 

XXXX investigated and removed this account from their credit report, so I am soliciting XXXX, Experian and any other Credit reporting service to do the same. Ive attached all the evidence and a copy of the initial complaint to XXXX XXXX and XXXX for reference.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I have an open unsecured loan open with America First. and a line of credit. I called in and made a payment towards my unsecured loan. When i make my payment over the phone i usually do another bank institution. by doing this they usually deposit the funds to the savings account then move the funds to the loan. End of XXXX i called in to make my usual payment, for whatever reason this time it was a bit different, rather then instantly going through the system had alerted the agent it was gon na take two business days for my XXXX $ to post. i had deposited XXXX. XXXX $ for my loan and XXXX $ for the line of credit. they notified me to keep an eye out and when they post to just move funds where i need them to go. the next morning i noticed all my funds had moved to the line of credit. when i noticed that error i called into the customer service and explained what had happened. they were able to verify my story by remarks by the previous agent. they had removed the XXXX from the line of credit and applied it to the loan. i thought everything was ok and everything was cleared. a few days later beginning of XXXX i noticed on my credit report it said i had a closed account, i thought it was a bit odd as i didnt request to close any account i was aware i had open. I went to go check my credit and it seems like by america first removing the XXXX it had made my line of credit seem as i was past due since XXXX XXXX XXXX The bank sent it off write to charge off account and collections without reviewing the details of my account payment history first. when i called to complaint of them closing my account the agent noticed i had made payments every month and wasnt sure why it was closed. its ruining my credit and has caused me to drop XXXX points becaus of there mistake
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX, XXXX, XXXX, xxx XXXX, xxxx XXXX, and 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 an account without my written instructions.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a citigold account ( bank account from CITI bank ) in XXXX XXXX, 2015 using a promotional code XXXX. By using the promotional code, based on the term, I will be eligible to receive XXXX XXXX ( XXXX ) miles if I spend {$1000.00} on my citigold debit card and make a citibank online bill payment for two consecutive months. After I opened the account, I contacted with citi to confirm this promotion. The representative ( XXXX ) confirmed my eligibility and claimed that the bonus miles will be credited to my XXXX account ( XXXX ) within 90 days from the end of the statement period in which all offer requirements are completed. In XXXX XXXX, 2015, I contacted with citi again and talked with another representative ( XXXX ). XXXX confirmed that " I see that you have met the requirements of the promotion offer '', and informed me that I " will be getting the offer of XXXX XXXX miles in three months ''. I kept all those chatting history. However, I have never received any bonus XXXX miles after three months. I contacted with citibank and talked with a manager. He said that citibank had give me another promotion offer instead and thus the original promotional code XXXX I signed-up was no longer applicable. In this case, the key fact is that citibank had never mentioned another promotion offer to me before they breaked the original agreement and applied another promotion code to my account without my authorization. I proposed him to withdraw the promotion offer that I did not sign up, and give me the XXXX bonus miles back, the manager refused even if I said my eligibility to receive the XXXX miles had been confirmed by their representatives many times. I did nothing wrong in this situation, but citibank 's response is lack of responsibility.
Consumer complaint received 2024-05-15
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights according to the following 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 XXXX 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 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this account.
Consumer complaint received 2024-07-15
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-15
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. (IL)

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 am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records 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. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX Account Number : XXXX Please delete immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2024-05-15
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. (MO)

I hope this message finds you well. I am writing to urgently request, for this time, the correction of the late open accounts on my credit file. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve this issue is unacceptable and constitutes a violation of my rights under the FCRA. 

I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts in my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct accounts : 1. DEPTEDXXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. DEPTEDXXXX XXXX Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
3. DEPTEDXXXX XXXX Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. DEPTEDXXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
5. DEPTEDXXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
6. DEPTEDXXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 
7. DEPTEDXXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Consumer complaint received 2024-08-31
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-01-05
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. (PA)

I have disputed the account for XXXX XXXX listed on my Trans Union and XXXX credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; trans union keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these XXXX creditors still have no updated my account.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Personal Finance Center (GU)

I am filing this complaint because I have requested many times for assistance from PFC in regards to paying my mortgage payment and the arrears debt to which PFC ( Personal Finance Center ) has not and continues to not offer any assistance at all. I approached PFC in 2018 after not paying the full amount of my mortgage payment twice which I explained to PFC that my financial situation has changed due to me being a government of XXXX retiree and I asked PFC if there is some way that they can help me due to the change in my financial situation ( I.E. adjustment to my mortgage or a payment plan to pay back the arrears debt etc. ) To which I was told there's nothing we can do for you and that you have to pay the monthly payment and the arrears debt at the same time Otherwise we will foreclose on your home to which I submitted a letter of hardship as proof that I am dealing with a difficult financial situation and I requested assistance in regards to paying my mortgage and the arrears debt yet again to which they responded they will give me a 5 month deferment and I was told that if the arrears is not paid after the five months they will foreclose on my home I have been struggling for years to pay both the mortgage and the arrears which even till now I have not received any assistance aside from the five month deferment and PFC continously tries to foreclose on my home and continues to act in bad faith i recently applied for a government mortgage assistance program called HAFP ( Homeowners Assistance Fund Program ) to which I was approved for and they were going to pay {$15000.00} to PFC to pay for the mortgage debt which PFC stated ( XX/XX/XXXX ) that they will accept the money but on XX/XX/XXXX I received a letter from their lawyer ( see attached letter ) stating that they have suspended and not applied the {$15000.00} that was given to them through the HAFP program towards my arrears debt and I was instead demanded to pay {$22000.00} in order to stop the foreclosure of my home PFC continues to offer no help or resolution till this day in regards to paying my mortgage and the arrears debt and they constantly try to foreclose on my home it seems like they are purposely trying to keep me in debt so that they can justify foreclosing on my home.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PR)

NAVIENT between XX/XX/XXXX and XX/XX/XXXX placed me in forbearance for at least 36 months in violation of Federal rules even when my monthly payment under an IDR plan could have been as low as zero dollars. The Federal government through its Department of Education generally limits forbearance to 12 consecutive months or three years total after which payments should resume.