davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC (TX)

Mortgage servicing is being transferred from Gregory Funding ( Account. XXXX ) to XXXXXXXX XXXX XXXXXXXX effective XX/XX/XXXX. XXXX dated XX/XX/XXXX advised me of this. As of today, I do not have an account number from XXXX, so I can not make my XX/XX/XXXX mortgage payment as scheduled. XXXX will not answer my calls because I do not have an account number ; Gregory Funding tells me to be patient. 

I have just come out of bankruptcy and I do not want my first mortgage payment to be reported late to the credit bureaus. Gregory Funding tells me they dont report to the credit bureaus, which makes sense, but XXXX surely DOES. As you can see, Im stuck between two companies with virtually no communication and no way to do the right thing. 

Id sincerely appreciate your help and guidance. Thank you.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (SC)

Im demanding that this company remove this negative item from my credit report, as it was paid in full. Im also requesting a full detailed itemized report of the process of reinvestigation if they insist on reporting inaccurate information on my credit report
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXXXXXX XXXX  - Has violated my rights XXXX XXXX XXXX. XX/XX/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 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.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Id like to remove these items off of my credit report due to inaccuracies. Credit bureau are reporting wrong information and are allocating debts that are not mines. Below are the discrepancies that are throughout my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian XXXX XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-06-16
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. (CA)

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. XXXX is reporting XXXX while XXXX and Transunion are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- XXXX is reporting the date of the last activity as XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while XXXX and TransUnion are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

XXXX is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Consumer complaint received 2022-12-07
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. (CA)

I sent a letter on XX/XX/2022, to remove these 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 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous request & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (TX)

I submitted a written dispute to TransUnion dated XX/XX/2022 about a collection account ( XXXX, opened XXXX, XXXX, XXXX  ) that is on my consumer report. In the dispute I demanded the verifiable proof that they had on file for the account which is required according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion responded with a letter stating that they can't process my dispute because it appeared it did not come from me, even though I sent in documents to verify my identity ( driver license and utility bill for proof of address ), and I also had a return address which was my home address, the exact same address that is currently reporting on my consumer profile. Transunion failed to not only file my dispute but failed to validate the account.
Consumer complaint received 2022-12-07
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: Convergent Resources, Inc. (IN)

In accordance with the fair credit reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (CA)

I have a car loan from FLAGSHIP CREDIT ACCEPT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FLAGSHIP CREDIT ACCEPT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and FLAGSHIP CREDIT ACCEPT with no successful resolution. XXXX, XXXX, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Consumer complaint received 2024-04-11
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. (CA)

I am sending this complaint to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting.
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CCS Financial Services, Inc. (GA)

I previously had services with XXXX between the months of XX/XX/XXXX and XX/XX/XXXX. At the completion of service XXXX provided us with a final statement that has some erroneous charges. XXXX was contacted and informed of these errors and would update the bill to reflect the accurate charges. The erroneous charges were removed and the billing statement was updated. A new bill was to be mailed to the forwarding address of XXXX XXXX XXXX, XXXX, GA XXXX. After waiting approximately two to three weeks I called XXXX who informed that the bill was never sent and that a second request to send the bill will be submitted. Again we waited an instead of having a bill sent to us our account was sent to collections. Over a period of two weeks the collection was removed and XXXX agreed to send us an updated bill via mail, but again it never came. They instead sent to another collection agency. Now as of XX/XX/XXXX XXXX has not sent us a bill and a third collection agency has now made contact in an attempt to collect the debt. 

The last contact made with XXXX to attempt to obtain the bill was on XX/XX/XXXX. A request was made to obtain a bill a copy if the bill. To ensure that a copy would be sent a control number was provided XXXX. This was the order number associate with the request to obtain a copy of the bill. Again this bill has not came and it has been sent to the collection agency. I have previously sent similar complaints to the CFPB in regards to similar activity from XXXX. 

XXXX was contacted on XX/XX/XXXX and was informed that account was charged off. XXXX then refused to provide me a statement but continued to ask for payment. I was told that once I provide payment a statement can be sent to me in the form of a receipt. XXXX is also stating that the account will stay in collections until I pay.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX & XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX : {$570.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC (IA)

This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (OH)

I purchased two Google XXXX XXXX XXXX over the last two weeks, one for {$10.00} and one for {$15.00}. When I attempted to redeem the cards, I got an error message and a prompt for " more info. '' The first time, I got a reply from Google that is meaningless garbage about my account or card not being eligible for appeal. I'm sure that this is going to happen again. 

I want {>= $1,000,000} cash to recompense me for my time, stress and aggravation of dealing with this, {$50.00} to recompense me for the money spent on these cards and an explanation on what their response even means, because being told my account or the cards are not eligible for appeal tells me less than nothing other than that Google is attempting to commit fraud and hide behind flimsy excuses to perpetrate it.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (WA)

On XX/XX/XXXX I received an alert from XXXX advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On the evening of Monday, XX/XX/XXXX, my account number XXXX was stolen by someone else. On Tuesday, I called the bank to complain. The staff said that it would be dealt with by me in 10 days, and the pen would be returned to me. It has been many days. no one picks up no one handlesI said to freeze my account and don't post it to others, but the money was transferred the next day