davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

Collection agency put this on my credit without notifying and allowing me to dispute this debt that I do not owe. When the company called me 2 times. I informed them both times, that I did not owe the company and that this was an error. They refused both times to put this in dispute then the next day I noticed that it appeared on my credit. I called the company to dispute it, which they started getting rude and unprofessional with me, 1st told me that they had no address on file to send me any correspondence t then asked then why put it on my credit, they told me to pay the bill or they was going to take legal action against me. I informed them I wanted to dispute the bill. The lady cursed me out and hung up the phone, Called back asked speak to a manager, i was informed no manager was available. then the person wanted to start telling me to pay the bill or else. i told them I didnt ower it, and wanted to dispute it.. They said fine we will dispute it. When I called back next day. I was being told the bill, and that they didnt show anyone has ever called me and that they had no records of me calling and disputing the bill. The account was not disputed. I told them I didnt owe the bil.. they said oh okay well you better pay it or else, I asked what or else would mean, she hungup
Consumer complaint received 2024-01-11
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. (PA)

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, XXXX XXXX Equifax ), because when I first reported these inaccurate accounts to them, the XXXX ( XXXX ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, Equifax has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item?

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting.

Thank you.
Consumer complaint received 2024-01-11
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. (FL)

Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number name & # XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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: Open Dealer Exchange, LLC (MO)

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 700CR/XXXX Please remove these from my credit report.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

A collection letter was sent to my brother 's address which they claim was obtained as my address from " public records '' instead of my address which is. I notice that this company was already fined for such tactics in the past.
Consumer complaint received 2023-07-07
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: Meade & Associates, Inc. (OH)

on the date of XX/XX/23 i sent a letter to XXXX XXXX XXXX to dispute the account that they are reporting on my XXXX XXXX report XXXX XXXX XXXX XXXX {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and they never responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

To Whom It May Concern I recently obtained a copy of my credit reports that reflects that as of XX/XX/2020, my COMENITY CAPITAL/XXXX  account is reported as closed. This information is incorrect, and hence has negatively effected my credit score. I did not authorize nor attempt to close this account.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX, I am the one generating this statement. Per the Fair Credit Reporting Act these listed accounts should not be furnished on my consumer report as they violate 15 US code 1681-B the permissible purpose of a consumer report in general subject to subsection C any consumer reporting you see me furnish a consumer report under the following circumstances and no other ; 2 - by the written instruction of the consumer to whom it relates. I never gave these listed companies my written instruction to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly per 15 USC 1681-4 consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2024-01-11
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. (SC)

Subject : Request for Rectification of Privacy Breach in Consumer Credit Report Dear Equifax, I am writing to address a significant matter pertaining to the unauthorized inclusion of certain accounts in my consumer credit report, which I believe constitutes a breach of privacy and identity fraud. 

Pursuant to the South Carolina Consumer Protection Code, specifically 37-20-110, any addition of items to a consumer report requires explicit consent from the consumer. Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the information in a consumers credit report is considered non-public personal information. 

I want to emphasize that I did not provide authorization for the reporting of accounts that are currently negatively impacting my credit reputation. These unauthorized accounts include those with derogatory remarks, accounts in charge-off or collection status, and accounts negatively impacting my payment history. 

The continued reporting of these unauthorized accounts by Equifax not only violates my privacy but also raises concerns about identity fraud, which is a direct violation of the South Carolina Identity Theft Protection Act ( 37-20-170 et seq. ). 

I hereby request that you promptly rectify this situation by removing the aforementioned unauthorized accounts from my credit report, in compliance with the aforementioned laws. Failure to address this matter appropriately may be considered willful negligence under the FCRA. 

I appreciate your immediate attention to this issue and expect that you will take the necessary steps to rectify the breach of privacy in accordance with the relevant state and federal laws. 


This complaint was construed and submitted in the act of good faith.
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

Hi, I'm reaching out to you to resolve an issue with my student loans. I can't recall the exact day, but in XXXX I called in reference to my student loans being applied to each servicer incorrectly. I explained how the payments should be posted, but the young lady did not seem to be sure about how to post them correctly. Nevertheless, she said that she would submit a ticket to have it fixed, and I believe that she said that it should be resolved by the XXXX. Nevertheless, I called back that same day and spoke to another representative, who informed me that the other young lady put in this request wrong. Since that time frame, it appears that my payments are still not posted and showing correctly. I believe that the principal and interest is incorrect. Also, Can you please have someone look into this? I do not want this to impact my payment or credit history. 

Thanks
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (CA)

I have a home loan with LoanDepot LLC. 

The first thing that caused me alarm was that they changed my account number about XXXX years after I had the loan. 

My mortgage payment is due on the first of the each month but my statements arrived on the very last day of each month. 

Recently they sent a letter that they had been hacked. I have not been able to make an online payment for the past XXXX months. 

When I complained about not getting my statements in a timely manner, I was told the payment isn't considered late until the XXXX of each month. I want the statements on time so that I can submit my payments on time. I like my credit to reflect on time payments. 

Recently I mailed in a payment, last month actually, I couldn't pay online and I didn't have a current statement. I sent the payment, a check and my loan information. Also a note letting them know my issue. 

They have now attached a late fee of XXXX.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could get my funds ( approximately {$46000.00} ). I have tried weekly to get my funds or update. This occurred on about XX/XX/2023 and I have still not received my funds. I have SERIOUS health issues... .XXXX XXXX XXXX. I had to miss treatments because I lost my insurance while trying to collect my money. This is lXXXX XXXX. I can not even purchase my normal medicine right now. I haven't paid my rent, or my employees ... this is hideous.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I LIVED IN TENNESSEE XXXX YRS AGO AND WAS NEVER LATE ON THIS ACCOUNT. I MOVED AND HAVE XXXX AS MY CURRENT INSURANCE. I WAS NEVER LATE AND SHOULD HAVE NEVER BEEN SENT TO COLLECTIONS.
Consumer complaint received 2024-04-04
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
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: Lockhart, Morris & Montgomery Inc. (CA)

I am trying to clear up a debt. 
The collection company ( Lockheart Morris ) hasnt returned ANY of my phone calls, email, or has yet to respond IN ANY WAY. 

I am homeless, living in my truck, and I have a collection on my credit that is preventing me from getting into affordable housing. 
No one is communicating to me about this debt, and so I feel I am helpless in getting this item removed from my credit report. 

This is a Summary/the emails that describes the situation : Its now been over 6mo. since I emailed you, Lockheart & Morris ( XXXX ) seeking a solution in good faith to resolve my debt. 
Its been six months now since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 

During this period, I have yet to hear of any response from you or your collection agency as far as this matter is concerned. I have received no phone calls, no letters, no emails. Nothing. 
My credit remains damaged, preventing me from getting out of living in my truck, ( several years now ) and renting an apartment. I continue to have multiple offers from the low-income housing lists that I am on, but my one derogatory on my credit is preventing me from doing so.

I am currently living in my truck. Ive had multiple offers of housing, but Im repeatedly turned down due to this one derogatory on my credit.

My current situation is that Im unemployed, homeless, and collecting XXXX. Unemployment benefits, about $ XXXX. 

I would like to, and I am willing to work on a deal to get this debt resolved soon so that I can have this item removed from my credit report. 
Im willing to make a deal. 

**Im asking you to act in good faith by at least communicating with me. 

Please contact me soon. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca. 
XXXX On XX/XX/2022 at XXXX XXXX, XXXX XXXX wrote : Hello, Its been about six weeks since I e-mailed you a letter explaining my situation, my ability to pay. 
I am looking for a solution, or a compromise so that we can bring my account to a conclusion. 
Its been six weeks since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 
Hopefully we can communicate a little more efficiently in the future. 
It is my hope that you can offer a solution to my so that I can have some sort of closure. 
In waiting for some sort of response, I have again missed out on two more opportunities to get into an apartment because of my one derogatory on my credit report. 
Being homeless in my truck with winter approaching, it is a time issue now. Id like to get housing before it gets cold. 
I hope to hear from you regarding my account soon. 
Any response will be appreciated. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (OH)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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. (OH)

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 2023-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not recall authorizing all these inquiries.
Consumer complaint received 2024-01-04
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (IL)

It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-04
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. (TX)

I recently contacted experian and alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!! XXXX nor XXXX didnt give me any problems when correcting my information! When experian is the one that breached my information to begin with!!!!
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. (FL)

I trust this letter finds you well. I am writing to follow up on my recent dispute regarding the accuracy and completeness of certain accounts on my credit report. The accounts in question are as follows : 1. XXXXXXXX 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 I appreciate your attention to this matter and would like to inquire about the status of the investigation into these disputed accounts. If the accounts have been verified as accurate and complete, I kindly request that you provide me with the following information : 1. The specific details that were verified for each account.

2. The source of the information that was used to verify the accounts.

3. Any supporting documentation that accompanied the verification process. 
Understanding the details of the verification process will assist me in addressing any remaining concerns and ensuring the accuracy of my credit report. It is my right under the Fair Credit Reporting Act to receive this information, and your cooperation is greatly appreciated. 
If the investigation is still ongoing, I request that you provide an estimated timeline for the resolution of this matter. I understand that thorough investigations take time, and I appreciate your commitment to resolving this dispute in a fair and timely manner. 
Thank you for your attention to this matter, and I look forward to your prompt response.