davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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)

Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Regarding HSBC Mortgage loan # XXXX I have spoke to XXXX different people at HSBC requesting information be sent to me and have gotten XXXX different answers. 
I am asking for the last 3 years ( up to current ) payments made on above mentioned loan. The bank is saying that they wont e mail it or will only send it to the address that the loan is for. It also isnt available to me online. 
My ex wife lives at the address ( she is also on the loan ) but I am still 1/2 owner of the property. I obviously can not receive any mail at that address and the bank refuses to send the information to my apartment address ( listed below ). I gave the bank written permission to send me a copy ( by e mail ) of a letter they sent to the loan address regarding forbearance and they e mailed me that info 3 months ago BUT they refuse to send me a copy of payments made claiming they cant e mail this info. They also refuse to send it by usps mail. This is not the nuclear codes its simple payment info. I answer all of there security questions when I speak to them so there is no reason that they cant e mail or regular mail the info I am requesting. 

My info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX Property info for the loan is : XXXX XXXX XXXX XXXX XXXX NY XXXX This house is on the market for sale and my attorney is requesting this information. The house cant be sold without my attorney having this information so there is a time crunch for the info. Your help is greatly appreciated. 
Thank You XXXX XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America randomly closed my business for XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with my money in it on XX/XX/year> with no request for additional information or anything. I just received my debit card and found out the acct was closed when I tried to activate the card. This is a hinderance to my business and they could care less.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I did not grant authorization to obtain credit inquiries and I would like these hard inquiries removed from my credit report. This is not fair to hard working people! 
Please help, thank you. Phone call XX/XX/2024
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (FL)

Imagine my surprise when I received notice from XXXX that derogatory information was added to my credit report. 

I have never received any correspondence from these two agencies. And seriously doubt that the claims are valid. I have XXXX and XXXX ( XXXX XXXX XXXX ), and never received an explanation of benefits ( EOB ) explaining the below charges. 

Collection Agency : FirstPoint Coll Resources Inc Original Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Original amount owed : {$1000.00} Date Assigned : XX/XX/2023 Medical or health care Status : Unpaid
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My complaint is with ( PRA ) Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX PRA is currently reporting negatively on my credit report for an old credit card from XXXX XXXX and is no longer within the Pennsylvania statute of limitations. I have called them a couple different times and was completely unsuccessful. They refused to do anything. I 'm hoping that you can help me resolve this issue
Consumer complaint received 2022-05-30
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. (TX)

I have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-30
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. (VA)

Numerous attempts made to dispute and correct information appearing on credit reports with XXXX, Equifax and XXXX. Issue is in regards to medical collection accounts that belong to someone with similar name spelling. This includes three accounts from the same collection agency, XXXX XXXX XXXX on behalf oXXXX XXXX XXXX, in the amounts of {$110.00}, {$130.00} and {$2200.00}. Documentation was submitted, which included name information and copies of billing statements from the original account holder ( not the collection agency but the hospital ) showing patient name on the statements. Most recent actions taken include : dispute submitted to XXXX XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to Equifax around XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to XXXX around XX/XX/XXXX and returned stating that the smaller account for {$130.00} would be removed, while there was no sufficient documentation shown to remove the larger account for {$2200.00} and the information was verified as accurate. Both accounts for XXXX were included in the same dispute and the documentation submitted/accepted was the same, and the accounts are from the same collection agency.
Consumer complaint received 2022-05-30
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. (TX)

I have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (AL)

I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported. 

I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected. 

currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help. 

the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (GA)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUINOX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2023-02-21
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. (GA)

n accordance with the Fair Credit Reporting act XXXX AccountXXXXhas violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( XXXX ). 


15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Loan boarded with SPS on XX/XX/XXXX, loan was in the final stages of a modification review with previous servicer, ( XXXX ). The loss mitigation process had to be restarted with SPS and XX/XX/XXXX file was approved for a modification effective trial pmts XX/XX/XXXX in the amt of XXXX. The amt of the payment was off due to the fact that SPS boarded the loan with the incorrect accrual for the real estate taxes. On XX/XX/XXXX we spoke with SPS and sent them the proof that taxes were incorrect. They were collecting XXXX instead of XXXX so when the trial docs were prepared they were collecting the wrong amount, making his pmt very high. SPS was advised by phone on XXXX, today XX/XX/XXXX we were advised that our client needs to make his pmt at the incorrect amount until they fix it. We have tried several times by phone calls, fax and email.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I took a car loan out for {$15000.00} on a XXXX XXXX XXXX through credit acceptance in XXXX. I set up automatic payments for my payment to be taken out of my bank account. It has been years and I thought my loan was almost paid off. I have never been sent late or repossession papers or any correspondence at all. 

I was just sent a letter from a law firm stating I owe {$15000.00} on a car that is now worth less than {$1500.00}. I don't understand how this could happen. How can a company say you owe them almost the balance of when the loan originated when I haven't received anything saying I'm late or in jeporady of defaulting. 

Please help this is not right. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX : XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - =======Equifax : Avant / Webbank XXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.