davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-10-30
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: Cascade CISS Holdings, LLC (VA)

I do not recognize the following inquiry- Inquiries CREDIT PLUS Miscellaneous XX/XX/2020 Inquiry Details Inquiry Date XX/XX/2020 Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2020-08-10
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. (NY)

EXPERIAN IS INCOMPETENT AND REFUSE TO DELETE FRAUDULENT INFORMATION AFTER I HAVE PROVIDED PROOF THAT THE FRAUDULENT ACCOUNT DOES NOT BELONG TO ME, IT HAS BEEN 5 MONTHS THAT I HAVE DISPUTED THIS FRAUDULENT ACCOUNT AND FRAUDULENT HARD INQUIRIES AND EXPERIAN STILL IGNORES ALL DISPUTES AND CLAIMS THE INFORMATION TO BE ACCURATE WHEN THE CREDITOR CONFIRMED IN WRITING THAT THE ACCOUNT DOES NOT BELONG TO ME, PLEASE SEE MY LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU ATTACHED TO DOCUMENTS.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (LA)

I disputed this account with Convergent Outsourcing stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Consumer complaint received 2020-06-17
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: Bread Financial Holdings, Inc. (GA)

On XX/XX/2020 I disputed with XXXX  to remove a comenity capital bank account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with comenity and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : Experian is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX XXXX XXXX removed this information but Experian will not. 

Date Last Active : XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (CO)

On or about XX/XX/2020 I tried to open a checking account at XXXX XXXXXXXX XXXX. This request was denied and a few days later I was told they base their decision on information obtained from Early Warning Services. I looked them up on the internet, completed the request for a consumer report and uploaded the request to their website per the website instructions. This was completed on XX/XX/2020. After repeated emails asking them for the status of the request I have not received a response and have not received the report. They were supposed to send the report within 15 days as required by the FCRA. It has now been almost 45 days.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX   XXXX {$480.00} XXXX  XXXX {$1300.00} XXXX XXXX {$760.00} XXXX {$220.00} XXXX   XXXX {$1000.00}
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XXXX closed my account and took position of my money when I contacted them the local branch had no idea why it was closed or where my money was. They said they would look into it and call me right back. 
After 2 days I had to call back but they could not tell me where my funds where. And after talking to them I realized that had informed them on XXXX different occasions but they never changed my address. The manager said he would contact the main office and find out where and when I will receive my funds. I have now waited a week and I have not heard from them. 
The bank is XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending in # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2020-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

I want the XXXX correctly applied to principal and backdated to XX/XX/XXXX. I want a revised amortization schedule. I want the correct balance reflected on the customer portal. 
Background : On XX/XX/XXXX my bank sent a check for the above numbered mortgage for XXXX. This amount was calculated to pay an additional XXXX on principal balance by XX/XX/XXXX. Instead NewRez applied a portion of the money toward Principal, interest, taxes, insurance, for XXXX of XXXX and applied the remaining amount to principal. I have been trying ever since to get the funds properly applied - per the company policy all additional funds are to be applied to principal. I have been getting nothing but the run around, excuses and form emails that do not address the error that was made on my account. 
I contacted NewRez about this matter on the following occasions : XXXX - spoke with Mr. XXXX ( Mr. XXXX was professional and polite ) XXXX - wrote email XXXX - Spoke with XXXX who said " ticket submitted should be resolved in 24 hours ( XXXX was professional and polite ) XXXX - wrote email XX/XX/XXXX - still not resolved wrote and spoke to NewRez refi person XXXX who also submitted a ticket on my behalf XX/XX/XXXX sent messages via portal that matter still not resolved XX/XX/XXXX spoke to XXXX call dropped, called back and spoke to XXXX XXXX who was at times extremely rude and condescending and made excuses and had trouble counting- " It can not be escalated until 5-7 days '' -even though the initial request was on XXXX XX/XX/XXXX sent a message to the CEO via XXXX XX/XX/XXXX Spoke with XXXX XXXX said that there was a note indicating that the issue would be or should be corrected by XX/XX/XXXX and that she was adding a note telling how the extra payment should have been applied. ( XXXX was professional and polite ) XX/XX/XXXX portal still not updated spoke with XXXX called dropped as I was on hold waiting for a supervisor. ( XXXX was professional and polite ) Called back was directed to a supervisor XXXX XXXX who told me that the department was behind and that there was no one else that I could speak to that could help me with this matter or explain why the additional funds were not applied to principal as stated in the company 's written policy. Not helpful.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The issue is over a bad credit tick Kohls put on my report. On XX/XX/2019 I used my kohls credit card to pay for a purchase of {$140.00}. I immediately paid off the balance with my debit card in the kohls store. The cashier mistakingly applied my payment to someone else kohls charge making it appear as though I had not made the payment. Kohls attempted to charge me the total of XXXX plus interest and late fees making my total {$210.00}. I disputed this and got things taken care of on that end. I am now trying to get the bad credit tick they gave me removed from my history. As I was not actually late making my payment.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

IVE RECENTLY CHECKED MY CREDIT PROFILE AND NOTICED THAT SOME OLD UNVERIFIABLE ADDRESSES HAVE BEEN REINSURTED ON MY CREDIT REPORT WHICH IS HURTING ME BADLY BY CONSTANTLY REPORTING THIS. ITS BEEN 30 DAYS NO RESPONSE
Consumer complaint received 2020-08-10
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (DE)

This was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times two for total amount of XXXX XXXX I contacted the company and they agreed to remove this from the credit report and still it has not been removed XXXX  and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

Thanks- XXXX
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion keep updating this debt a valid when XXXX or Transunion has NOT properly validated this debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that TVO was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I have proof that I was residing at another apartment complex during this time.
Consumer complaint received 2020-08-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}
Consumer complaint received 2020-08-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I regularly check my credit reports and noticed that Transunion is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, XXXX XXXX XXXX, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why Transunion allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from XXXX XXXX XXXX within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (PA)

I disputed with all 3 credit bureaus via certified mail, article numbers availible upon request. Source Receivables also received a validation request after identifying this alledged debt on my credit reports. 
This debt appears on my credit report as Account # '' 1 XXXX '' with alledged amount owed {$2100.00}. 
This company has violated my rights under the FDCPA and FCRA .I also mailed via certified mail return receipt requested, article number availible upon request. I received mail from source receivables that provided partial validation.The documents received is not validation under Federal Law in accord with the FCRA section 809. Additionallythe documentation has nothing to do with me. 
I have enough problems, a recent diagnosis regarding a debilitating illness and unemployment. 
I plead with CFPB to assist me in this matter and stop this company from ruining my credit regarding this alledged debt that is not mine.I want this information removed from all 3 of my credit reports immediately. I  appreciate the time and effort in advance regarding the involvement of the CFPB.
Consumer complaint received 2020-08-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}