davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for Citibank XXXX XXXX XXXX XXXX XXXX employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX
Consumer complaint received 2021-06-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (VA)

After purchasing a home with a VA loan my wife and I have received what can only be described as a harassing number of refinance letters from ClearPath Lending. We have never had any business dealing with ClearPath Lending and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. CleapPath Lending has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021. They agreed to stop sending letters. However my wife and I have continued to receive letters from ClearPath Lending, with the latest received today ( XXXX XX/XX/2021 ).
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (CA)

I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

BJ 'S Capitalone credit card is holding and recording my payment until the past due date and charging me interest and penalties. I think this practice is illegal. 
I called them and they fixed it but tell me this is OK for them to do.I disagree.

I think you should look into this matter because others may not be as vigilant as I am.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I sent away for my free credit reports from all credit reporting agencies at the same time. I received XXXX XXXX and XXXX  sometime in early XX/XX/XXXX. Equifax sent a letter demanding further information that included social security # current address. The letter stated they could not locate a credit file in their database. I have requested my free credit report every year since about XXXX. Further more I have a credit freeze with all the bureaus. Another point was my information was accessed when Equifax was hacked in XXXX. I filed a claim and have my claim #. 

I have always had problems with this Bureau. In a previous request they refused to send the report but I was able to resolve the issue without submitting any further information. Their lack of information should have impacted my request in prior years.
Consumer complaint received 2024-02-28
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. (IL)

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on XXXX ending in XXXX XXXX. 
And for XXXX and Experian account XXXX. I was notified that this information was verified as accurate and correct. 

As of XXXX XXXX XXXX XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for XXXX or XXXX.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ). 

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC (NE)

billed services were not billed correctly by medical office talked to billing about debt and had to have insurace talk to them to tell them they were billing incorrectly and that it was needed to be fixed. had 2 insurances told i couldnt use 2. Called medical office and had them update billing to childs father since that was where they were residing and now this bill was sent to collection. I sent a letter to collection agency XX/XX/XXXX asking for validation of debt and no response now im being sued. I have contacted insurance for payment adjustments and asked medical office to send me all adjustments and payments. neither have furnished these documents. insurance is sending paperwork to me. medical facility has not furnished paper work and i called on XXXX 
Also i have 2 statements with same date and invoice number but amounts are different and name of patient was spelled wrong for months even tho we corrected it in office Medical debt is with Family connections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Debt collector is National Account Systems of Omaha
Consumer complaint received 2023-07-26
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: Bread Financial Holdings, Inc. (TN)

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (NJ)

The account has been completely paid, and I possess all the necessary documentation as evidence. Nevertheless, the company is inaccurately reporting this on my credit report. I seek assistance in investigating and resolving this matter promptly, as I simply want to move forward with my life and put this issue behind me. I can readily provide all the required documentation for further examination.
Consumer complaint received 2022-04-18
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. (CO)

On XX/XX/2022. I sent an mail regarding inquires on my credit report, receives no answer. Today XX/XX/2022, I called Experian to follow on the inquires that I don't recognize, I've contact the company and there is no account connect/ open with them. I was told by the Experian agent they can help remove the inquires. This is after I explain to them and i had a fault alert on my account this year for possible identity theft. 

For there call log the call was made to XXXX XXXX XXXX and the last XXXX mins and at XXXX XXXX. 


The inquires not to be remove on my account are : 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 2021-01-28
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-18
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. (GA)

I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below. 

2. Any factual information Any credit transaction between you and the consumer and them in person. 
Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n. 
I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft. 
You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you! 
Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again. 
If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report. 

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!
Consumer complaint received 2021-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

to whom this may Concern : On XX/XX/XXXX I spent XXXX hours and 34 minutes on the phone with Lakeview Loan Servicing sub servicer is Loan care, the reason for my call to them was two fold first we are currently in the first leg of the 2 sequential 90 day forbearance extension however on XX/XX/XXXX we were fully approved and enrolled in the second leg extending until XX/XX/XXXX, then after this approval they are still sending email Notices that our forbearance plan is expiring on XX/XX/XXXX this notice came in to my email on XX/XX/XXXX 6 days after our new extension approval came in stating we are fully approved for the extended forbearance until XX/XX/XXXX, this is categorically stressful as it inherently creates unnecessary confusion as to our fha mortgage status, this needs to be resolved,. 
then our second and more egregious issue is that as of XX/XX/XXXX they are claiming that they " changed their web site and payment systems and now are forbidding any Covid 19 Fha forbearance borrowers from accessing the payment portal within their https : //www.myloancare.com/pub/index.html # /Login, they have categorically failed to furnish and material legal or substantive reasoning for this unconscionable decision preventing us from making a repayment under the plan under which by their very own actual written verbiage on their website where they state as follows : " while you are not required to make payments during the forbearance plan, any amount that you can pay while your loan is in forbearance will help reduce the amount you owe after your forbearance plan expires then at the very bottom of this exact approval notice it then details how we can go online into our mortgage account and make the forbearance plan repayments within our account, however as I have stated Loan care is forbidding all covid 19 forbearance borrowers from making online payments within their respective mortgage accounts in loancares ' website this is simply abhorrent, morally defective, and unconscionable and must be stopped and the CFPB go in and enforce loan care to begin to allow fha covid 19 borrowers to make partial repayment plan payments again online [ PLEASE NOTE THAT SINCE XX/XX/XXXX WE HAVE BEEN MAKING PARTIAL PAYMENTS ALL THE WHILE BEING IN FORBEARANCE ] please find attachments showing the contradicting notices showing 2nd forbearance extension granted on XX/XX/XXXX then contradicting notice on XX/XX/XXXX stating that our forbearance is expiring XX/XX/XXXX My personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX New jersey XXXX mortgaged premises loan care mortgage account # XXXX
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (AR)

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (MD)

On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for XXXX, XXXX, and Equifax in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (OH)

I am currently applying for a HELOC with XXXX XXXX. When they pulled my credit there was a credit inquiry on the account from XXXX XXXX XXXX that I did not conduct. I did not apply for any credit at all. I called them to dispute and then sent in a dispute letter through the mail that they received on XX/XX/XXXX telling them that I had not applied for any credit ( through any company ) and asked them to remove the inquiry from my bureau. They sent me a form letter denying my claim telling me that they had permissible purpose to pull my credit when I applied for the loan. I had made it clear to them that I had not applied for any loan. They did nothing to investigate my claim. If I had applied for a loan through them I would have proof of that and should have received some form of adverse action to my address. None of that happened so I did not even know someone had fraudulently applied for a loan using my name.
Consumer complaint received 2023-03-08
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

In XX/XX/XXXX, my ex girlfriend of 4 years and I ended our relationship. However she had access to all of my sensitive personal information. From XX/XX/XXXX to XX/XX/XXXX, there were several failed attempts at using this information to create loan or credit accounts. However it seems like there was one account for {$1000.00} that managed to slip through the cracks. I was notified about this from my XXXX alert center and have been working with them to do everything in my power to resolve this. 

I have attached an admission of guilt after she was caught destroying my home computer by a mutual friend.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mandarich Law Group, LLP (NY)

Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from Mandarich Law Group LLP claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.