davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Subject : Notice Of Dispute - CB/VICSCRT XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account CB/VICSCRT XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account CB/VICSCRT XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account CB/VICSCRT XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account CB/VICSCRT XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2022-10-17
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. (CA)

I ordered a copy of my report and I found out that TRANSUNION still indicates my dispute of information in my credit report. As of XX/XX/2022, TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} I believe it was reported in error.
Consumer complaint received 2022-10-01
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. (MI)

LCI is reported a bankruptcy to XXXX, XXXX and Transunion. I contacted XXXX XXXX XXXX Bankruptcy court which they stated they do not verify nor validate information to credit bureaus or any credit monitoring service. LCI is violating the Privacy Act and has not validated information to being accurate on my credit report. I am attaching a letter from the U.S Bankruptcy Court which supports my claim.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC (DE)

I received a call in XX/XX/2018 from Western Benefits Group claiming that in order to be part of the income driven repayment program I would have to go through this company. Was informed I'd have to pay a start up fee ( around XXXX dollars ), and then XXXX dollars a month for the life time of the loan to keep the benefits or I'd have to pay the full amount monthly, I was also told I'd have forgiveness through this program after 10 years of on time payments- which was a lie. I was informed recently that it does not cost anything to be in loan forgiveness programs and I was FOOLED into giving this company a start up fee and a monthly fee for 4 YEARS. I'm grateful my loan servicer called me and asked me about this information or they would have robbed me forever. IN ADDITION, when i talk to western benefits group rep, he had NO RECORDS of paying a start up fee, put me on hold to look for the info and came back to tell me he couldn't find it.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am formally disputing Specialized Loan Servicings ( SLS ), denial of a loan modification in the year XXXX, as well as continual harassment of sale dates while amid COVID-19 and State mandated eviction moratoriums causing tenants to not able to make their rent payments. As well, I am disputing their illegal, irresponsible activity of placing continual sale dates while they are informed of the severe hardships, we are enduring within XXXX XXXX due to the flooding and snowstorms to which my home had XXXX feet of water in it on XXXX separate dates, starting on XX/XX/XXXX, back-to-back, and then current snowstorms. I am working with XXXX, my insurance company and the City of XXXX currently to restore the property according to these experts during this declared XXXX State of Emergency. The last thing I need to contend with are sale dates! 

I applied for a loan modification in XXXX and I was denied on the grounds that SLS had no available options for me to keep my home. I would think between COVID-19 and the severe flooding/weather disasters we are dealing with currently, that SLS would find some program to help me through this. 

As per our Washington Governors latest state laws : Washingtons Governor Inslees Eviction Ban Proclamation, extensions, bridges currently are set to end XX/XX/XXXX, but upon expiration, has placed Ordinance XXXX which will take effect XX/XX/XXXX providing additional tenant protections including the start of a XXXX-month period in which a renter may claim a defense against eviction for non-payment of rent if they can demonstrate financial hardship due to COVID-19. This timeline protects tenants from evictions for non/late payments through midXXXX XXXX. 

Until my property is restored, and the City of XXXX allows my tenants to move back into their units and they can keep a job to pay rents, I am asking for forebearance relief, possibly a reduction in principal as well as a decent loan modification as I work daily to clean up this mess and try to rebuild after such a disaster on top of COVID-19. 

Most landlords are walking away and leaving this mess for the mortgage companies to deal with. I decided to work through this and restore my property the best I can and for this effort have been harassed with sale dates and told SLS has NO RESOURCES to help me out.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I have sent a correspondence in response to a letter XXXXonvergent Outsourcing , Inc. sent me on XX/XX/XXXX. Within that letter, they informed me that I owed an " alleged '' debt and that they provided valid proof of verification. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which Convergent Outsourcing , Inc. clearly stated in the letter they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, Convergent Outsourcing , Inc. is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. As a result of this false report, it has caused my credit score to fall making it hard to get approved for lines of credit which is defamation of character. These false reports harm my reputation with lenders and my credit worthiness. Convergent Outsourcing , Inc. has received my correspondence and supporting documents on XX/XX/XXXX.
Consumer complaint received 2022-01-04
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. (KS)

Ive contacted Experian and XXXX about disputing the specific date of the account, its from XXXX. Should it be removed off my credit report?
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

I was a student at Indiana XXXX XXXX XXXX until XXXX XXXX. After this, I began paying my monthly payment to XXXX XXXX Loans at XXXX dollars per month. After six months, and XXXX other student loan payments I realized that I needed assistance in repayment. I contacted XXXX to be told that they has sold my loans to AES. 

Upon contacting AES, I registered and agreed to their three month reduces payment program. The program allowed me to make half payments of XXXX dollars for three months. This phone call took place on the XXXX/XXXX/XXXX. The woman on the phone explained to me that my payment due on XXXX/XXXX/XXXX would be included in the program, and if my online statement had not changed, that I would need to call back on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I check my online AES account and see that I have no due balance. I contacted AES customer service, and was told that my XX/XX/XXXX payment had been covered by a forbearance and that my half payment program would begin on XXXX/XXXX/XXXX. The details of what I was told have been documented by AES, and I have spoken to numerous supervisors about this. 

Believing that I did not have an XX/XX/XXXX payment, I received a letter around XXXX/XXXX/XXXX explaining that my loan was 14 days past due. I immediately called AES and explained the situation. The supervisor first explained to me that he was sorry for my misinformation but that I do in fact owe money. I asked the company if they allow their customers to be misinformed and then held accountable for their own mistake. The supervisor then informed me that he would submit my account for review, and that in 5 days I would no longer be past due. 

Two weeks passed and my account still remained past due. I then called AES again that they informed me that there is no 5 day deadline and I would have to wait, but that they would be turning my information to a collection agency. Afraid, I then had to make a XXXX dollar payment. XXXX for XX/XX/XXXX, and my XXXX for XX/XX/XXXX all at one time. ( Defeats the purpose of saving money through the reduced payment program. ) I have still been trying to contact AES and have yet to receive any answers. I believe that it is horrible that a borrower calls the company to pay any payments to avoid default, is misinformed and then held accountable for the companies mistake. I would like answers.
Consumer complaint received 2022-10-01
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)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2022-10-01
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-06-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

I paid my bill to University XXXX New Mexico XXXX XXXX XXXX through my bank checking acct at XXXX XXXX Bank on XXXX XXXX, 2015. They kept sending bills even though I sent bank information twice. Now I am in receipt of a collection letter from Transworld Systems Inc .
Consumer complaint received 2022-10-17
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. (FL)

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name ..I am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes
Consumer complaint received 2022-10-17
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. (MN)

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. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I also reached out to the furnishers and they agreed to update and repair the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CA)

I suspended auto-pay on my AMEX account and the notification I received confirming this on XXXX/XXXX/15 gave no indication that this was only for three months. Today, I received a notice that payment was processed through auto-pay to my checking account for an existing balance of {$5600.00}. When I logged into my account earlier in the week, there was no indication that any payment was scheduled or pending as it still is prompting me to make a minimum contribution by XX/XX/XXXX. When I contacted AMEX today, they said that they had my written consent from before and they unfortunately could not cancel the transaction because it had been processed. They reactivated auto-pay without any warning to the amount or what checking account would be debited. All of my recent transactions have been scheduled as one off contributions towards the middle of the month for amounts no more than {$2000.00}. When I suspended auto-pay years ago through AMEX, they clearly indicated in the e-mail that this was only for a three month window. Their notice this time had no such limitation and instead they have changed their website and communication such that key terms are not explicit to the consumer.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (TN)

my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, midland funding took over a credit debt back in 2008 and we went to court and midland funding told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm XXXX hired by midland funding has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX
Consumer complaint received 2023-02-28
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. (VA)

My name is XXXX 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.
Consumer complaint received 2022-10-01
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. (TX)

It has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureau claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number.
Consumer complaint received 2022-09-03
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. (MD)

Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I lost my debit to my checking account in someone I didnt authorize to use my card Misuse my debit card without my permission so I filed a dispute with the bank and they said that it was verified transactions. I couldnt pay those transactions that that was made on my account so they close my account and put a remaining balance on my account.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused.

TD BANK USA/TARGETCRED XXXX
Consumer complaint received 2023-02-28
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX/2021 XXXXXXXX XXXX/XXXX/2021