davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RS Clark and Associates, Inc. (SC)

This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

On XX/XX/2023, Citi handed over the respective account to a debt collection agency yet continue to report the account as being delinquent. Remove the respective Citi account from my personal consumer report immediately.
Consumer complaint received 2023-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-03
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. (ND)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (GA)

XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-04
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. (IL)

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account XXXX XXXX XXXX XXXX is not only listed as being OPEN, but also as having a PAST DUE balance of XXXX on TWO accounts .This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards. 
According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-10-03
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (KY)

Lakeview Loan XXXX  is not processing my payments in a timely manner. 

My bank, XXXX. sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it was not processed until XX/XX/XXXX. 
My bank, XXXX, sent a payment on XX/XX/XXXX for a XX/XX/XXXX payment and it has yet to be processed. 


I work hard to submit my payments in a timely manner and the company is not processing my payment in a timely manner.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-10-13
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (ND)

I was given unknown notice on my credit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i owed outstanding debts which threatened my credit without my knowledge of these debts they can not show me proof of my signature being obtained or follow up on resolution of proof
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

his was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue XXXX
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A refund check was issued by a Title company to refund my earnest money deposit on a home contract that fell through. They cut a check from XXXX XXXX, signed by two people, on a printed check. They are holding the check for 7 business days and refuse to release any funds, there are no reasons to suspect that this has any reason to be unpaid ( it is a refund of earnest money from an escrow account ), nor any overdraft history, the account has been in good standing for 18 years at the bank, and the check was for less than {$5000.00}. This violates the Expedited Funds Availability Act and the bank refuses to cooperate and expedite the clearance of the funds.
Consumer complaint received 2023-04-17
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: Thaxton Investment Corporation (AL)

In XX/XX/XXXX, Quick Credit in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXX and never repaid it. They also reported that I took out the loan in XX/XX/XXXX and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but Quick Credit still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC. (FL)

I received a call from an unknown number. The person calling kept asking me who I was but would only provide her name without telling me where she was calling from or what the call was about. I subsequently ended the call. 

I then called a different number to pay for a debt and just so happened to get connected to the SAME person. I asked her why she didnt just tell me who she was when I answered and she said you wouldnt identify yourself. As I tried to explain to her that there are scammers she continued to rudely talk over me. I asked to speak to a manager and she claimed that she was the managerat that point I once again tried to explain to her that I understood it was her job to call to try to collect payment but I would have appreciated if she would have just simply stated who she wasat which point she started to yell at me and told me that I was being shady screening my calls and I told her that was very rude to call me that and she started telling me I needed to fix my attitude because she has control over whether this gets reported to my credit or not WHICH IS CLEARLY a threat to me regarding damaging my credit simply because Im trying to explain to her that I dont want to be scammed? She was VERY rude and VERY condescending and jokes on her, Im a lawyer and I have all the time and energy. I already told her clearly that I had no problem with them trying to collect the debt because it was rightfully owed HOWEVER, how dare you tell me that I am not allowed to screen my calls and call me shady because I dont know who a person is calling asking me who I am? Absolutely unacceptable, unprofessional, and disrespectful.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Recently, I did a investigation on my credit report which cause severe XXXX upon me unverifiable, invalidated, inaccuarate and questionable items that your agency didnt make sure it was reporting 100 %. In accordance with the FCRA everything has to be 100 % accurate on my credit report. 15 U.S.C. e ( b ) and 15 U.S.C ( 5 ) states that these accounts are in violation of not being 100 % accurate.
Consumer complaint received 2023-10-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-02
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I was enrolled in auto-debit to pay off my student loan. The auto-debit was successful and the money left my bank account. There is no record of my payment on Nelnets website however, and now my loan is marked as past due,
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've maintained timely payments on this account, diligently avoiding any instances of overdue payments. Nevertheless, I find myself puzzled by the appearance of late payment remarks associated with my accounts. It's worth noting, as per 15 USC 1666b - Billing Error, these discrepancies demand correction.
Consumer complaint received 2023-10-03
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. (CA)

Last year I discovered a false account with XXXX XXXX Bank and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond. 
4. Proof that the Statute of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature. 
7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 

Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- EQUIFAX -- XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-08-14
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. (IL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
I am requesting that those charges be removed.
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted certified letters to Trans Union, XXXX and XXXX   regarding XXXX XXXX XXXX/XXXX for {$2300.00}, XXXX XXXX XXXX for {$3000.00} this account is older than 7 years old from the first day of default, I've even sent them paperwork from XXXX the company that is handling the loans, the letter verified that my first date of delinquency was XX/XX/XXXX and they still refused to removed they accounts from credit bureaus. According XXXX XXXX letter to me that I submitted to each bureau " the federal law requires defaulted student loans be reported to the national consumer reporting agencies for seven years from the date of delinquency ''. Based on that information the account should be removed, yet they continue to send me verified/updated letters.