davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

While reviewing my Equifax and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to both Equifax and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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: Opportunity Financial, LLC (IL)

Opportunity Finance has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

XXXX XXXX has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
Consumer complaint received 2023-05-09
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. (TX)

There is a third party XXXX agency reporting in a debt which I dont believe is mine or in the least is reporting inaccuracies. I also believe it is a violation according to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. And would like it removed from all three credit reporting agencys. Please remove immediately.
Consumer complaint received 2023-09-22
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. (CO)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (OR)

The company XXXX issued me a rewards gift card on XX/XX/XXXX, shipped XX/XX/XXXX, and received by me XX/XX/XXXX for {$250.00}. The expiration date of the physical card was less than 6 months at XX/XX/XXXX. I found out today, XX/XX/XXXX, less than 6 months after I physically received and could use the card, that the physical card is expired, but that the card issuer could reissue a new card for a {$12.00} fee. But I also have to physically print off the form and physically mail the form, another obstacle the issuer is using. To replace the card with a new and valid expiration date, the card issuer is attempting to charge me {$12.00} fee. I was under the impression that I am entitled to this card and access to my {$250.00} for up to 5 years, and that no fees could legally be charged for up to 12 months after issuance, by the issuer. The 6 month expiration date funnels people towards a {$12.00} reissue fee, that is no where described on the card, and seems to violate my rights to access my gift cards funds free of charge within the first 12 months after issuance. What can I do?
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On a recent review of my credit report, I discovered your company Portfolio Recovery reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. 

They must produce also produce the above or delete or entry from all 3 credit bureaus.
Consumer complaint received 2018-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

on XX/XX/XXXX, I did an online MoneyGram payment to a friend of mine. When my friend went to MoneyGram to receive it, it was declined. I called MoneyGram and they said the system rejected payment and could not give a reason why, just said regulations. They proceeded to ask me if i knew this person and when was the last time i saw this person. I had seen him the weekend prior. They asked why didn't i pay him then. I said you dont pay for work that needs to be done untill the work is completed. We work construction together and he is currently not working. I had asked him to look at one of  my rental properties and see what needed fixing up. He got a painter and he did some work himself.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WI)

As the principal of the loan is paid down, interest rates are not adjusted correctly. Also, prepayment is not applied to to the principal and the lender, BMO HARRIS, has made no attempt to correct the matter. The representative even told me on the phone when I tried to address that there is NO WAY for additional funds to be put toward the principal. They have been fraudulently overcharging me for months. Many of these calls have been recorded as they have asked for my permission but the account hasn't been corrected. I am lucky to understand the powerful impact of compound interest. If they are doing this to me there must be many many more who think they are proactively paying their principal loan amount down when, instead, the lender is simply applying forward.
Consumer complaint received 2023-05-09
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have sent many Disputes to XXXX concerning an account with First Interstate Bank, First Interstate Bank has always verified information about this account. I have contacted First Interstate State Bank to request a Payment History and First Interstate Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an XXXX credit report dated XX/XX/XXXX, XXXX Confirmation number is XXXX. The account number in question is XXXX from FIBANK XXXX XXXX XXXX XXXX  MT XXXX : XXXX. 
According to the report from XXXX the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, First Interstate Bank and XXXX are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX notified me by email at XXXX on XX/XX/2018 that my account with XXXX XXXX ( XXXX XXXX XXXX card ) had closed the day prior on XX/XX/2018 since the credit card program was discontinuing. XXXX  did not tell me I had an outstanding balance, nor did they make me aware that it was possible to have a balance on a closed account. Because XXXX had explicitly told me the account was closed, I stopped checking that account. 

When I realized I had a small outstanding balance that had been accruing interest and late fees, and harming my credit score, I immediately paid the balance and called XXXX  to rectify this issue. The woman I spoke to was helpful and suggested that XXXX would reverse the negative report. However, they did not do so when I sent them a letter requesting a reversal of that report. 

XXXX 's incredibly misleading communication ( that my account was closed ) led me to believe I had no balance, and it feels like XXXX intentionally misrepresented the situation customers through this communication to extract interest payments from them. 

Thank you for your help
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name and account was place in the XXXX  in 2018 because of report of fraudulent activity. I have tried several different times by phone to contact BOA but was not able to be verified in their system. I was told to go into XXXX of their branches and ask to be verified, I tried several times but could not be verified. The last time I entered into XXXX of the branches I was told by a representative that my account is closed and I could not bank with BOA ever again. Im not looking for information I already know. I was told by XXXX  that BOA has to be the one to remove my name from off the system. This has been five years and that is how long my name can be kept on XXXXBOA was suppose to already taken my name off XXXX  by law.
Consumer complaint received 2023-11-27
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: LoanCare, LLC (GA)

Today is the XXXX of XXXX, XXXX. On XX/XX/XXXX I went to pay my XXXX mortgage online as usual and the website was non-responsive/would not load. I've tried calling multiple times and their phones were also down with no direction or indication if it would be back up or when it would be resolved. 

I've tried accessing my online portal to make a payment every day since the XXXX and the website is still not available : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried calling again this morning, the XXXX and the recording available says the website is down for technical difficulties and that the representatives are unavailable as a result. I am concerned I will be responsible for late fees and that this will harm my credit. Additionally, I have not been treated as a valued customer or communicated with. 

There are several other people online at various sites communicating they too are having challenges getting in touch with the XXXX XXXX XXXX LoanCare mortgage company : https : XXXX? XXXX
Consumer complaint received 2018-09-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (FL)

This is about a 2nd home loan mortgage from First Republic Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Loan was Funded XX/XX/XXXX. The loan number is XXXX. The loan document has a second home rider attached to it. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has bee rented out for short term rental since XXXX up to and including XXXX. XXXX. The home has been permitted to rent by XXXX XXXX Nevada and advertised in XXXX since XXXX. Item 8 Borrower 's  loan application is in question.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2023-11-25
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: EQUIFAX, INC. (TN)

I am a victim of a severe form of XXXX XXXX pursuant to the final rule on XXXX XXXX. On XX/XX/ I put in a request to have inquiries blocked due to adverse information being reported due to a severe form of XXXX XXXX on XX/XX/ they sent me a XXXX email stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Equifax during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, Accounting, Book-keeping entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Consumer complaint received 2023-11-25
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX Balance : {$89.00} ; XXXX XXXXXXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$74.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Multiple times I contacted the ChexSystems about errors showing on my consumer report with the accounts XXXX routing/checking XXXX and XXXX  routing/checking account XXXX. Companies wanted police reports attached to the complaint I have police case number XXXX reply available.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I applied for a loan modification with Nationstar, based upon the qualifying hardship of a legal separation which will result in a reduction of household income and a significant increase in my expenses, because I will need to pay spousal support once my former wife moves out. I filed an appeal which was also denied because they do not consider legal separation the same as divorce, even though the hardship affidavit list them together, another reason given is that the loan is in just my name, which is not a valid reason because I will be retaining ownership of the property, and my former wife, even if she were on the loan, would need to be removed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I attempted to dispute inaccurate information ( XXXX accounts ) regarding my student loans reported by U.S. Department of EducationXXXX . Experian stated they have contacted the company ( US Department of EducationXXXX ) reporting the information I disputed, supplied them all relevant information that determined their response to my dispute. 

On XX/XX/XXXX, I attempted to dispute ( again ) the inaccurate information ( XXXX accounts ) being reported from US Department of EducationXXXX . Experian responded that all accounts associated with XXXX was verified, accurate, and updated.
Consumer complaint received 2023-11-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

Upon reviewing my consumer report online through XXXXXXXX XXXX XXXX XXXX XX/XX/2023 I discovered a negative collection account that I had no knowledge of. I also had not received any written communication from Transworld in regards to the alleged debt. i sent a letter to the company the XX/XX/2023 informing the company of violation of FDCPA 1006.30a and 15 USC 1681. I requested the deletion of the account from my consumer reports and the company 's accounts. It has been beyond the 30 days required by law to respond. The company has not responded and are therefore in violation.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.