davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

On the day of XX/XX/XXXX I got an email alert from my bank stating that someone is trying to use my name to open up an account from Citi bank my bank provided the contact information. I immediately contacted the other bank which is ( citi bank ) and they told me nothing with my info was in there system. Yesterday on XXXX XXXX  I get another alert that my credit score had been dropped upon checking my credit report I noticed a new account for Goodyear XXXX/ Citibank I have no knowledge of this, I've never applied for nor have I done any business with this company. Please help me remove this from my credit and prosecute those responsible.
Consumer complaint received 2024-04-04
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. (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 2015-05-15
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nationwide Intermediary Services llc (CA)

A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Hello my name is XXXX XXXX, and I am writing this in hopes of getting a late payment removed. I do not recall making the payment late, However it can be an oversight. For 4 years I have never been late on the XXXXXXXX XXXX account. In XXXX of XXXX, there was a 30 day late being reported. 

I will like to know if this late payment can be reversed to current or paid as agreed as a courtesy. This late payment is hurting me from getting approved for other accounts. I will like if this can be removed. Thank You very much.
Consumer complaint received 2023-06-16
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. (LA)

I am having an issue with Transunion deleting an account by the name of ( XXXX XXXX XXXX XXXX {$100.00} or {$100.00} ) that does not belong to me. The other credit bureaus have done their due diligence and investigated and removed the account.
Consumer complaint received 2023-06-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Omega RMS, LLC (NY)

Omega RMS unlawfully reported an unauthorized account on my consumer report for {$18000.00} on XXXX I have not given Omega RMS written permission to put anything on my credit profile. Omega Rms have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Omega Rms, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-04
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I was involved in a XXXX XXXX on XXXX Where an attorney provided some locations for me to get treated at. XXXX XXXX would get paid by the attorney with the accident compensation. XXXX XXXX, the company who money is owed, would check me once for a XXXX and send the bill to my attorney. But after 6-7 years they never contacted my attorney and the collection company went straight to me asking about XXXXXXXX XXXX to be paid. My attorney still sends clients to XXXX XXXX  and doesnt understand why the company never contacted them personally about the debt owed.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (LA)

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my XXXX XXXX plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (TN)

After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Approximately 6 months ago my credit score was XXXX. As of today, it's XXXX and has been going down the past several months. There are no reasons from TransUnion, nor have I had any changes in my payments or added credit. This has happened to me once before and your Bureau did an amazing job of getting my credit score back up where it belongs.

I realize that it's a minor difference of XXXX points but there's no reason for the reduction. 

Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (MO)

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 2024-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (CA)

OnXXXX my credit report there is a bill from XXXX XXXX XXXX through RMP Services. 

On XX/XX/XXXX I reached out to RMP Services the number provided on my credit report and the representative was unable to locate an account with my information. 

On XXXXI called XXXX XXXX XXXX, they advised they show nothing for this amount and they do not use RMP Services for collections. 

I disputed on XX/XX/XXXX through XXXX on XX/XX/XXXX, The response for the dispute was verified & updated. Nothing changed on the credit report. 

I called both RMP Services & XXXX again today XX/XX/XXXX and had the same response from both. Unable to locate any past due items for {$580.00}. XXXX XXXX XXXX again advises they do not RMP Services as a collection agency. 
Please advise what I am to do in this situation.
Consumer complaint received 2024-04-04
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. (GA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I told them that they have now the car to the wrong place that I live in Florida and had the wrong name on it middle initial at my first name for my middle name wrong and XXXX was used and they made me going to the bank to verify my identity which I told him in Florida which just got issued in New Jersey.
Consumer complaint received 2024-04-04
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. (CA)

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 2024-05-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (KY)

I'm a XXXX widow me and my husband took out an equity line of credit on our house a {$50000.00} in 2005 My husband since then has passed I haven't making the payments of {$370.00} a month but then last month it went up an extra XXXX, I have tried three times now to refinance it and drop the payments and I keep being denied and I think it's because of my age I don't want to lose my house but I can not afford almost {$800.00} a month that is over half of my social security that I get they're not working with me it's through u.s Bank and I have tried everything and they're not giving me a reason for the denial either they gave me a number for collections well when I called them I don't have anything in collections through US Bank nobody seems to know why and nobody is giving me a reason on anything I'm at a loss and I don't know what to do now.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CO)

I recently had my credit pulled and saw that i had a late payment on my credit report with a company. I should have not had a late payment as i have been on automatic payment with the company. I have tried to dispute with the credit bureaus but it has not been removed and i haven't recieved anything back from the bureaus or the company regarding it.