davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

National Credit System sent me an email on XXXX stating that I owe them {$9800.00} for XXXX XXXXXXXX XXXX 

I have responded back to them saying " I have emailed this company before on XX/XX/XXXX with my police report, drivers license, and mortgage bill. Again, I am a victim of an identity theft. Please confirm that you have received this email and that this case will be closed ''. 

I received a second email from them on XXXX stating " Be advised that National Credit Systems , Inc. has been authorized by its client, XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. You may satisfy your account in full for **40.00 % ** of the balance. This proposal is valid as of the time of receipt of this letter until XX/XX/XXXX, and we are not obligated to renew this offering ''. 

I responded back saying " I have already sent you my police report and said I'm a victim of identity theft. I'm including my lawyer XXXX in this email. Please have this case closed immediately. Please confirm that you received this email. 

National Credit System did not respond back to my email and reported negative collection with all 3 credit bureaus My lawyer has sent them 2 letters on XX/XX/XXXX and XX/XX/XXXX attaching my police report and Federal trade commission report. They did not respond to my lawyer. I have disputed this with all 3 credit bureaus, but National Credit System Verified it belong to me, even though my lawyer and I had reached out to them and said I'm a victim of identity theft.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX has harassed me with phone calls, text, emails and letters about a {$600.00} purchase I made in XX/XX/2022 that I returned. I have been charged enormous late fees and interest and they refuse to make adjustments. There is no communication or little between the credit card company and the retailer. I have late fees upon late fees. I was told I needed to send a letter to their customer service department to request in writing that fees be waived. I did this on XX/XX/2022. I continue to still get emails and bills and late fees. They are rude and lie on the phone. They have the worst customer service I have ever experienced!
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

Creditor keeps reporting late payments on my credit report for XXXX and XXXX of 2020 even though they have been deleted from my account on XX/XX/XXXX. 
Bureaus do not have corrected information about deleted late payments. 
Creditor is saying that they have notified the bureaus to delete those late payments twice, but bureaus are stating that they have not received anything. 
Disputes with bureaus did not bring any results. 
I am asking you to get involved.
Consumer complaint received 2023-03-09
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: Thaxton Investment Corporation (SC)

Heights Finance renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX. They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with heights was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to XXXX. I have submitted disputes for XXXX  which hve been returned as denied. Heights finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but heights misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and XXXX will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

The company involved is : Focus Financial Services. This involves a debt from XXXX XXXX, and XXXX XXXX. I previously filed a complaint with your organization about it ... ... ... ... ... ... ... ... .... Ref ID : XXXX The other company was called XXXX XXXX, and you contacted them regarding my complaint. Yesterday I got a letter from Focus Financial about the debt. It seems the Hospital just forwarded this debt to Focus Financial. I called them this morning and the person I spoke to, XXXX, was very combative in her response to my summary of what happened. She just said I have to get a statement from the credit card company to show I paid the bill. I said that this occurred a year and a half ago and my accounts were hacked, so I don't even know which credit card I used, as I subsequently had to close many accounts and destroyed the cards. I said, why did the Hospital wait for almost a year to contact me, and she said " it doesn't matter ''.. Please read the aforementioned Ref.ID number so you get a better perspective on this matter.
Consumer complaint received 2023-01-24
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)

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX  continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable history, or unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX  has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX  violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX XXXX  above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX  is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX  continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX  continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2022-10-07
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A fraudulent transaction was made on my Bank of America checking account XX/XX/XXXX, at XXXX XXXX, in the amount of {$1000.00}. 

I have been in communication with both XXXX XXXX and Bank of America regarding this fraudulent transaction for several months to no availXXXX XXXX XXXX  ( XXXX XXXX  XXXX ), has explained to me that they are aware the charge was fraudulent, and they simply need my bank ( BoA ) to work with them so that they can reverse the charge. 

The reference number for the XXXX XXXX 's claim is # XXXX. 

Bank of America has opened two claims regarding this issue due to mishandling on their end. They credited the money to my account, but took the money back out today ( XX/XX/XXXX ), and said that my claim was not approved, with a number to call to receive the documents used to make the decision. I was on the phone with them today for over 2 hours regarding the issue in order to get the documents regarding the claim and reasoning behind the denial ; they refused to provide any information, including any documentation. I was able to get an employee to reopen the most current claim ( # XXXX ) Claims created by BoA regarding this same issue : # XXXX # XXXX I have spend countless hours on the phone with Bank of America and have not been helped. I'm not sure how to go forward in having this fraudulent charge reversed. The charge was absolutely NOT authorized by me or anyone with permission to use my card.
Consumer complaint received 2023-01-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

Navient has been reporting my payments as being late since XX/XX/XXXX. However when i spoke to their representatives I advised them that due to the Care Act there should have been no payments on my account until after the legal decisions have been made through congress. The representative told me to dispute the late payments because of the care act. They then approved my forbearance and made my account current. However due to the misinformation my account still shows that I have been late however as you see I've never been late on any of my student loans ever.

Per Student Aid. gov, Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart.
Consumer complaint received 2023-01-24
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. (KY)

On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-15
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-23
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (IL)

Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-01-24
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
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. (FL)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (FL)

My home was badly damaged on XXXX, by hurricane Ian , which was declared a disaster area by FEMA.and I had to leave due to a flood, and part of my roof was blown off. FEMA put a tarp on, but advised me to leave due to mold and so dangerous conditions from electrical damage. My mortgage was paid in XXXX XXXX, but in the beginning of XX/XX/2022, I contacted Village Capital numerous times, and left many messages asking for a forbearance plan for a few months, as I couldn't live in the home. Meanwhile, I filled out papers to extend my forbearance, ( I had not received my insurance claim settlement yet ) and sent them to Village Capital. After telling me numerous times they had not received them, I was able to speak to someone who helped me fill out an application on the phone. After receiving another letter via snailmail asking for the same info., ( 3rd time ) I finally received the first 3 month forbearance. VC also has possesion of my homeowners check for 2 months and I need it to put a roof on. I requested it several times, and had to cancel the roofing repair 3 weeks ago because they did not release the check. They have also ruined my credit by reporting I was 4 months delinquent paying the mtg. The roofing co. was going to finance the work until I received the check, but due to the delinquency, they can not. They keep putting delinquent notices taped to my door, and my neighbor had to take them off, as there aremassive burglaries due to vacant homes. I asked I do them not to, but they keep taping them to my door, advertising no one is home. Can you please help me? Thank you so much.
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rodenburg LLP (SD)

XXXX XXXX RODENBURG LAW FIRM On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed XXXX XXXX  {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. 

I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. 

I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. 

She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?