davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing this letter to demand the immediate removal of accounts that have been unlawfully placed on my credit report, as a means to extort me. In am requesting these accounts be removed from my credit report within XXXX XXXX XXXX hours, under the rights and protection given to me by the " Fair Credit Reporting Act '' of 1974 ; as this department is responsible for compiling and acting of the removal. 

The first of these accounts is, a past due bill of {$870.00} placed by XXXX XXXX XXXX on my credit report ; to this account I am enforcing all of the codes of the F.C.R.A.. Due to the fact that XXXX XXXX XXXX is a Telecommunications Corporation and not a bank or a lending institution whom did not offer me a loan or a line of credit and this therefore barred from putting any supposed unpaid accounts under my credit report. 

The second account is an account XXXX XXXX business credit card debt of {$1300.00} that was assigned to my XXXX XXXX XXXX. I am protected by various by federal and state financial laws due to the fact the this credit card is assigned to my L.L.C. and not myself. The L.L.C. protects me from creditors coming after me personally and must go after the entity and or it's assets. In the F.C.R.A. it dully states that credit reports are a Personal assignment of every individual. 

Also I am requesting the hard credit inquires be removed from my credit report. 

Best regards XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Albert Corporation (VA)

The Albert savings app refuses to allow me to withdraw the small amount of money in my savings because the account linked is closed. The account associated with Albert was closed earlier this year. I linked a new XXXX account AND signed up for an Albert Mastercard in an attempt to withdraw my funds. The agent still stated I need to provide bank statements and reconnect a bank account that no longer exists to withdraw from savings. Albert needs to allow for me to withdraw these funds and have them routed to another account.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, 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. (GA)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/2023.
Consumer complaint received 2023-09-08
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. (UT)

I got a credit card, {$10000.00}, opened in my name. I filed a dispute with Experian and they came back and said the account with the credit card company, XXXX XXXX was verified. I contacted Experian by phone and let them know the card was opened due to fraud. They said I would need to contact the credit card company and let them know. Also, I should submit a police report and ID to Experian. 
I contacted XXXX XXXX and they agreed with me that the card was fraud and the address used in New Jersey was not mine. I then submitted a police report and ID to Experian as requested. 
The card and address used was due to identity theft. I have done everything Experian has asked, but they still refuse to remove the card from my credit.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (NJ)

Lockhart morris and montgo illegally added a debt to my credit report because I never worked for XXXX XXXX XXXX and they sent no proof of ownership to this debt and I did not obtain a XXXX from XXXX, I have obtained my XXXX from XXXX XXXX, this is a scam and I will attached my certificate from that school
Consumer complaint received 2023-05-09
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: DISCOVER BANK (FL)

Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Consumer complaint received 2023-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (GA)

This is not my debt. I have never in any state used CashNetUSA, the original creditor. 
The debt has been sold to a XXXX XXXX XXXX XXXX XXXX. 
File number : XXXX Not my debt and I will not be responsible for the payment in the of {$2600.00}.
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 — Account information incorrect
Company: Atlanticus Services Corporation (FL)

THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE XXXX  STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

THESE INQUIRIES were not authorized. Please remove it immediately I understand that Hipaa does allow for limited information. and I didnt give anyone permission to run my credit. Please provide a copy of my signature
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX, XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.t
Consumer complaint received 2023-09-07
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. (TX)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CO)

I called Aidvantage on XX/XX/XXXX to switch from an IBR plan to the SAVE plan and was told to expect a response by XX/XX/XXXX. I never heard back from them about my new monthly payment amount, so I called again today, XXXX. The customer service representative said that Aidvantage had never submitted my application. She informed me that since it was after XXXX, I would be charged {$5.00} to switch to SAVE. According to the Department of Education, switching repayment plans should be free ( XXXX XXXX XXXX ). For one, it seems unfair that I was charged for something that was clearly a mistake on the part of my loan servicer. It also seems like a problem that they are not submitting applications. Secondly, why is Aidvantage charging borrowers to switch repayment plans???
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ostarch Hilmy & McCauley, PLLC (TX)

I am in receipt of a fraudulent notice of default with a demand for the payment of past due monies from a debt collector named XXXX XXXX XXXX, threatening to place a lien on my homestead. Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting. XXXX is misrepresenting the nature of the debt he claims I owe. Furthermore, XXXX claims to represent an association as his client. This association does not exist in the State of Texas nor the remaining States and Territories of the XXXX, whether in any various form of incorporation or even a recorded fictitious business name. 
Again, the entity he is demanding payment for from me which, self-servingly, includes his very own legal fees, does not exist. XXXX debt collection practices are seemingly those a reasonable person would perceive as fake, abusive, and contrived by a scammer Additionally, with blatant and complete disregard to The Fair Debt Collection Practices Act ( FDCPA ) a federal law that instructs debt collectors in what they MUST do when attempting to collect certain types of debt, he knowingly and purposely omitted the most important item that he is legally required to furnish me the amount owed. Not only did XXXX purposely disregard the law regarding this, he also failed to provide the amount, in writing, within five days after his initial contact in a validation letter as mandated by the FDCPA. The only alternative to this willful omission would be the public display of his utter and complete incompetence. Competent debt collectors and attorneys are familiar with the basic, minimalistic rules of the FDCPA which they must abide by, including the validation of a debt. Once that takes place, as required by law, the clock starts ticking and the proposed debtor would have 30 days to respond in agreement or disagreement from the date of validation. Instead, XXXX has chosen to ignore the law and demand payment in full for an undisclosed, phantom amount of money within twenty-one days ( 21 ) and threats to foreclose on my homestead if I do not pay an unspecified amount that is unsubstantiated by the required documentation as per FDCPA. XXXX demonstrates his attorney misconduct via his false and misleading statements, his failure to disclose any relevant facts, his hiding of evidence ( if any ), and his indolence to law. He is threatening to take my homestead without justification for a debt I do not owe. The very sad truth of this matter is that XXXX is perpetrating an illicit debt collection scam for his personal financial gain. He should be disciplined for misconduct with haste. His actions are an insult to your profession. XXXX XXXX XXXX is sloppy
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MN)

I made repeated phone calls to XXXX Navient and told them I was unemployed and could not make payments. They were not willing to work with me at all on stopping the need for payments and negative reporting to the bureaus or even agree to a low payment plan. They were very unreasonable in asking for at least XXXX a month which was impossible for me to pay. This is XXXX of XXXX loans I have with them. As a result my credit has been significantly damaged and now they are suing me and will post a judgment against me. I am a single parent of XXXX children getting assistance from the state for expenses. My original balance of XXXX is now at XXXX which includes the compounding interest.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I applied to American Express for a XXXX XXXX credit card. They advertised a XXXX mile bonus if I spent {$2000.00} in the first 4 months. I spent the money but did not receive the bonus miles. 

When I called them they said that the bonus was denied because I had applied for too many other cards with bonuses then canceled the credit card after a while. They did not however provide any specifics as to which credit cards they were talking about and refused to send a formal letter stating specifically why I did not receive the bonus miles and which other accounts they were referencing in the refusal to grant me the bonus miles.

They also stated that during the application process I was given the option to not go forward because I would not receive bonus miles. I do not remember seeing this page and again they would not provide proof that it was shown to me..
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

We made two payments on account in XXXX to pay in full. The cashed the checks and didn't post to account. I have sent them copies three times during dispute that was opened with them in XXXX. Here it is in XXXX, and they are still investigating. In the meantime, they are reporting as late and behind schedule. I can not talk to anyone in the dispute department only to customer care and they only have only relay what is put in system. If you need more information, call my XXXX at 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. (FL)

The three major agencies XXXX, XXXX, and Transunion have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, just to name a few. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-18
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. (TX)

On or about XXXX XXXX, I disputed the inaccurate balance for XXXX XXXX XXXXXXXX with both Equifax and XXXX. Following an investigation. XXXX promptly deleted the inaccurate information. However, Equifax did not take similar action and completed their investigation in only seven days. Equifax failed to provide account-level documentation or mark the account as disputed, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This conduct by Equifax is both willful and negligent. Months have passed and the account remains unmarked as disputed, causing me significant emotional distress and anger.
Consumer complaint received 2024-10-16
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'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-07-12
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. (GA)

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.