davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (OH)

A delinquent account from Consumer Adjustment Co in the amount of {$570.00} appeared on my XXXX credit report on XX/XX/2020. I had received absolutely no correspondence regarding this debt from the company and have sent them a letter stating such. 

I had absolutely no knowledge of this debt and had received absolutely no correspondence until it appeared on my credit report. 

I have sent letters to the company but they have been unanswered. 

The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 1 name, 2 addresses, and 2 previous employers that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.
Consumer complaint received 2020-10-02
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. (IL)

I noticed that Experian was showing I had a delinquency or serious derogatory remark affecting my credit score in early XXXX. I have never been late or delinquent on any account, this is also proven by my credit report. I called and opened up a case. The customer agent agreed there was nothing on my actual credit report and that it was a technical glitch. They submitted a ticket ( # XXXX ). Weeks went by and then the tech department emailed me saying it was not a tech issue and there is a mark on my credit and to call back to dispute. This is what originally I did. I called back again and that agent verified again that there is nothing in the detail of my credit report and this is an error. They then said they need to submit back to the same department. I am in the middle of applying for a mortgage and this is impacting that. They refused to have anyone contact me or provide a letter stating there is an error on my account. I keep getting bounced  around which no resolution. I am getting penalized in my credit for an error by Experian. I am not sure what else to do as this is their error.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IN)

This is my 5th complaint without any resolution. My mortgage was brought current via Indiana XXXX XXXX Funds in XXXX, payment of {$26000.00}. Since then Homepoint Financial has added past due amounts that has went from {$6000.00} to now currently {$42000.00} in a matter of a few months, How's that happen? My housing councelor has made every attempt to contact Homepoint with no success. I've been advised that foreclosure has been filled yet again. I've requested and received a complete payment history and we have noticed 7 payments from 2016 of {$1000.00} each not listed on the payment history. We made these payments via certified bank check and have requested copies of the cleared checks from our bank. If these payments were not credited to me Homepoint has no grounds for foreclosure. Between the XXXX XXXX Funds payment of {$26000.00} and the {$7000.00} in payments we made that's not showing, there's no way we can be past due. Escrow is showing a negative balance of XXXX which is 100 % false because the hardest hit funds brought the escrow current. How can my escrow go {$12000.00} in the negative in just 3 months?
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (CO)

Flagship credit, I am a cosigner on a XXXX loan with this company. I have been getting serval calls about this car loan being late and then being sold into a collection agency. When I reach out to the organization, the payment is caught up and they are unsure of what I'm speaking about. The individuals from the third-party call agency can not give me a number or address or email to a division or individual that can help me. These items are affecting my credit score and my well being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Also, in 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction, Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-08-16
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. (GA)

Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.
Consumer complaint received 2020-10-02
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: EQUIFAX, INC. (WA)

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on XXXX  and Equifax leaving 90,60..90 late on XXXX  beginning XXXX XX/XX/XXXX and on Equifax they changed it from 90.60.90 to 120.90 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX  has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the Equifax late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my XXXX  and Equifax credit report. .Currently XXXX is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with XXXX and Equifax .
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (MI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-10-02
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. (WA)

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on Transunion  and XXXX  leaving XXXX late on transunion beginning XXXX XX/XX/XXXX and on XXXX  they changed it from XXXX to XXXX 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my Transunion and XXXX  credit report. .Currently XXXX  is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with Transunion and Equifax XXXX
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On Tuesday, XX/XX/2020 I logged onto the website of Lakeview Loan Servicing ( https : //lakeviewloanservicing.myloancare.com )  with the intention of finally paying off my mortgage. I filled out the required form, submitted it, and was met with the error : " Error Sending PayOffStatement Email ''. Immediately afterwards I called the customer service at XXXX. I waited for a while and was told that there was no representatives available, and the call was ended. I called again the following day, and again was not able to talk to a representative - this time I was sent through a loop of menu items that gave me no option of talking to a representative. I tried calling other numbers for Lakeview Loan Servicing listed online : none of them responded, and all of them had the voicemails full so I could leave no message. Finally, I tried to email them through " secure email portal '' and received no response. Because the email was sent through their portal and they did not send me a confirmation email after submitting my email through their portal, I have no record that it was sent. Since then I have continued trying to call Lakeview without any kind of response. Now it has been two months that I  have been trying to payoff my mortgage to no avail, and have had to pay my regular monthly payment WITH interest. This unresponsive customer service is unacceptable, especially for a company overseeing something so important as the mortgage for my home.
Consumer complaint received 2023-05-29
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. (OH)

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 2022-11-09
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: Experian Information Solutions Inc. (AZ)

Experian has a collection account in my name for wish dont owe. The collection company is XXXX  XXXX .I called and disputed it along with the property XXXX I have a ledge with a set balance and they didnt care XXXX. Has a collection account on my credit report that is not in my name and the creditor is XXXX XXXX XXXX XXXX I disputed it and it has not changed
Consumer complaint received 2022-11-09
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: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Within a few dates of having the car it was brought in for service related issues on multiple occasions. On XX/XX/XXXX I canceled my gap insurance and extended warranty and returned the car back to XXXX XXXX. I contacted the lender T.D. Auto Finance to inform them that I was no longer in possession of the car and this account needs to be closed. T.D. Auto Finance is continuing to report this on my credit report, when I am know longer in possession of this car. I have filed a dispute with all three credit reporting agencies, indicating the inaccuracy of this open account. 
T.D. Auto Finance has refused to contact XXXX XXXX as to where the car is located and the current status.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (MI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2021-02-04
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: Credit Central Holdings, LLC (NC)

I was told by a member of Credit Centrals office in South Carolina that once I paid the account in full this account would be DELETED from my credit report. I have paid this in full and have disputed this item several times with this company but yet they continue to report this account. This is fraudulent and the company blatantly lied to me about payment. Now that I have followed through and paid everything owed they have not removed this account from my report.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credimatico LLC (MO)

On XX/XX/22 I emailed a Revocation of XXXX authorization to XXXX On XX/XX/22 I received a notification from my XXXX XXXX account stating that Crediterium had tried to process an an XXXX transaction in the amount of {$170.00}. 
On XX/XX/22 I sent another email Revocation to XXXX, and also submitted a secure message directly from their website. 
On XX/XX/22 I received an email from XXXX stating that they had received my revocation email and assigned it ticket number ( XXXX ) On XX/XX/22 I received notification that Crediterium once again tried to run an XXXX  authorization for {$170.00} On XX/XX/22 I called XXXX XXXX and had them put Crediterium on a permanent Do Not Pay and provided them the information regarding the multiple dates of revocation emails. 
On XX/XX/22 I received another notification from XXXX XXXX that Crediterium was continuing their attempts to make ACH withdraw from my account in the amount of {$170.00}. 
On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an XXXX withdraw from my account in the amount of {$170.00} On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an ACH withdraw from my account in the amount of {$170.00} On XX/XX/22 I sent another secure message to Crediterium from their website stating that I was filing the complaint, stated the ticket number and their acknowledgement of receipt of the revocation of XXXX authorization, and told them that I was also turning them into the Missouri Attorney General for Illegal transactions.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (NY)

Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by Coast Professional inc collection company and neglect. 

To Remove All late payments for XXXX for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.