davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Affirm Holdings, Inc (KY)

The Installment Loan from Affirm was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting Affirms customer support, my problem was not resolved. 

When disputing with XXXX, the investigation led to Affirm refusing to properly update the credit report.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently sent a letter to transunion going over what i believe as inaccurate information reporting to my credit report. i have gone on deaf ears to be heard and have constantly been ignored. I sent them a letter on XX/XX/23 and even verified they received but nothing has happened with processing my request
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Charles G. McCarthy Jr. & Assoc. (TN)

I have a very old debt from the law office of Charles G McCarthy Jr and Associates Collections. There is a line on my credit report / collection for {$600.00}. I believe this was for XXXX XXXX for a lease. Just in XX/XX/XXXX XXXX XXXX granted me a new lease for over {$2000.00} line of credit. I believe if they were worried about it or I owed a debt to them, the original creditor would not have allowed me to open another line of credit if I owed the in the past. 

Get this XXXX off my credit report as a collection and completely remove the line off of here. I'm going to start suing these individuals for very old debt on my credit report and still trying to collect on it. 

I believe this was included in bankruptcy originally as I filed in XXXX of XXXX and should have been included. when it was discharged last year, this law firm put this line of collection back on my credit report AFTER the discharge. 

This debt is no longer valid. Get this XXXX off here NOW.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX XXXX 2023- opened a collection. 
Account -- XXXX {$5200.00} that I owe MIDLAND CREDIT MANAGEMENT. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX I was charged {$4000.00} for a treatment for my wifes XXXX XXXX. The treatment did not work and the doctor has moved to another state so it is impossible to rectify this with the merchant. Basically we were charged for something we did not receive so the problem is with the quality of the goods and services which is covered under the special rule for credit card purchases. Care Credits chat disagreed with this and directed me to complete the attached form with the admonition that not all charges can be disputed.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: NATIONSTAR MORTGAGE LLC (LA)

I REQUESTED MY LATE BE WAIVED BECAUSE MY PAYMENT WAS NOT POST MARKED LATE. THE MANAGER XXXX XXXX, CALLED ME AND TOLD ME NO. I ASKED FOR SOMETHING IN WRITING THAT MY REQUEST WAS DENIED. I WAS TOLD NO. I ASKED WHY DID I NOT GET A LATE FEE FOR XXXX, SHE WOULD NOT ANSWER. THEY HAVE NO MAIL REPECTICAL AT THE ADDRESS. THIS IS WHY MY PAYMENT WAS LATE. MY PAYMENT WAS NOT POST MARKED LATE. THEY ARE CHARGING A XXXX DOLLAR LATE FEE AND EVICTION DUE MY PAYMENT BEING RECEIVED ON THE XXXX INSTEAD OF THE XXXX. THEY WERE CLOSED ON THE XXXX AND DO NOT ACCEPT POST DATED CHECKS
Consumer complaint received 2024-03-06
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. (ID)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (LA)

Santander has a charge off on my credit file on an account that is in litigation due to predatory lending between XX/XX/XXXX, XXXX XXXX. Louisiana Attorney General XXXX XXXX has picked this up due to the predatory lending. They reported inaccurate payment dates. They repossessed the vehicle and sold it for over the amount that was supposedly left owed. Keep in mind I paid over XXXX and put XXXX down on a XXXX $ car. They are XXXX $ is owed and it is not. This debt is no longer owed and they have sold it to multiple collection companies. XXXX XXXX XXXX sent me a dunning letter trying to collect XXXX $ that I received in the mail on XX/XX/2021. This debt is not owed.
Consumer complaint received 2022-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a collection on my TransUnion credit report. I contacted company XXXXXXXX XXXX collection agency using the information TransUnion has on my file and the XXXX told me they don't have any collections against me. They verified using the last four of my social security number. It is a medical debt from an hospital in Indiana. I have never been to Indiana and have health treatment through the veterans department. TransUnion has refused to provide any documentation. I have asked online and through phone calls several times. They have not investigated at all. It was very easy for me to use their info to verify it's not mine.
Consumer complaint received 2021-05-19
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. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-02-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Because of the illegal selling of my mortgage to Bayview Loan Servicing I receive phone calls from the customer services I had made it clear I do not know this company nor what to business with them XXXX and Bayview went to the table to benefit themselves without me they should n't be call me contact my realtor trying to find my tell the realtor that the bank has they own realtor company this is not my business the realtor text me this number XXXX XXXX who again I do not know because of this illegal sale I receiving advertising mail from the following attorney office the names are XXXX XXXX XXXX XXXX, NJ XXXX XXXX, Law Office of XXXX XXXX XXXX Because of this illegal sale of mortgage I 'm being harassed and my mailing address is made public and long with my personal business the Bayview Loan Servicing do have the right to tell me that they will be showing my house no have right to enter my home without my permission please ensure that my United States Civil Rights and not being valdated
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (FL)

Took a collateral loan using my car as collateral from one main financial before finding out about their bad practices of making people choose add-ons, and those add-ons that are supposed to help you in case of financial stress do not help you I became financially distraught in XXXX struggling to pay them back I asked them if theres anything I can do possibly come to a settlement amount they told me they could do a lien release and If I pay that that would also settle the loan, it was {$1400.00}. I accepted that outcome and asked if they could take that amount in installments monthly I was told no and that I would have to pay that amount in 24 hours. That is very XXXX disgusting and aggressive action taken as if someone can come up with {$1400.00} and 24 hours. I told him I would not be able to do that in 24 hours, I told him I am without the car because the garage damage the cars engine and it was sitting in my yard. I told him they can come get the car and use it as collateral two weeks after telling them that the car is gone fast-forward to XXXX and they are now trying to sue me for {$4900.00} they didnt contact me about being sued or attempting to sue me. I just received the letter in the mail after calling them to try to resolve the problem I was spoken to in a demeanor that I found disgusting and unprofessional I tried my best to come to a conclusion with the person that I was speaking with about the manner and I was told I would have to pay {$4900.00} and they couldnt come to any other settlement so when I proceeded to tell that person that I can not pay that even more so in installments because I pay so much out of the check that I get now I will not be able to afford it it will put me in more of a financial burden. XXXX willing to settle at a lesser amount. Thats possibly closer to what I have left, but this is an outrageous amount. They proceeded to tell me that they would see me Well, youre just gon na have to wait for a court date. This was disgusting demeanor, especially after trying to settle the situation and then is now later on that again. I found out about their disgusting bad male practices of doing what they did to clients that borrowed money from them I work hours. I do not make that much money and I do my best to keep my household in my family Fed and the lights on in my home taking on anything else would just be too much of a financial burden and would destroy what I have entirely
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (LA)

I purchased carpet for the XXXX XXXX in XXXX of XXXX. The carpet was installed incorrectly and without the padding that was ordered was not installed. Instead, the carpet was installed directly over the concrete. I attempted to settle the issue with XXXX XXXX XXXX in XX/XX/XXXX but was unable to get a refund. I then disputed the charge with Chase bank and a credit was issued. Due to the contractor forging my signature on a completion document, the bank had initially sided with the merchant. The dispute was re-opened in XXXX of XXXX and the charge was canceled. On XXXX XXXX the charge was reapplied to my card and I am now unable to get a straight answer on how this happened. I have gone into a branch and they were not able to assist me either. 

I have attached a letter from a competing carpet company that explains the issues with the carpet installation, Along with a letter that I sent to the dispute department on
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called the credit reporting agencies letting them know the inquiries are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and OCC. this inaccurate data is also in violation of a number of FCRA Laws, metro 2 data compliance and consent of disclosure. If the information was correct and true under CDIA the data would not constantly change.
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: U.S. BANCORP (LA)

I have filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (WA)

I had a refund from an XXXX XXXX and randomly Wells Fargo hit me with a reversal and took the rest of my money in my account right before my vacation and in between paydays. It was all I had and my account had been overdrawn from automatic payments because of it and they have charged me over and over fees
Consumer complaint received 2023-04-17
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

has violated my rights. Or 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 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OR)

I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. 
Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. 
This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. 
I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. 

In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. 

I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.
Consumer complaint received 2023-01-25
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. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
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: Resurgent Capital Services L.P. (CA)

This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

LVNV FUNDING LLC Account Number XXXX The date of the last activity does not match. XXXX is reporting the date of the last activity as XXXX/XXXX/XXXX while XXXX 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. 

They are breaking the law by reporting inaccurate information to the credit bureaus.