davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The vehicle I had a loan on with XXXX XXXX was deemed a total loss by my insurance company ( XXXX ). XXXX XXXX marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX  ( date of loss was XX/XX/ ) I received my payment XX/XX/ and XXXX did not pay them until XX/XX/. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.
Consumer complaint received 2023-02-17
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately : 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
Consumer complaint received 2023-06-23
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. (WA)

The following accounts were opened without my consent or knowledge and are a case of identity theft. 

XXXXXXXX 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
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2023-06-24
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 am interested in disputing all inaccurate information on my credit report with experian to help clear my file. this has been an issue that needs to be resolved asap. ive listed all negative items. review an remove all listed items asap.
Consumer complaint received 2020-11-14
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Applied for a new Bank of America XXXX XXXX credit card on XXXX XX/XX/2020. 

Did not receive any response, and unable to speak directly to anyone from lending department as phone numbers are no longer active. 

As I am currently outside the country, any regular mail to my U.S. address will not be received.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

This is a XXXX XXXX cell contract I signed as a XXXX for XXXX XXXX XXXX XXXX XXXX when out of business The debt was with a different collection agency XXXX XXXX XXXX I file a Consumer finanse Complaint and it was removed Now it shows up with a different Collection agency Southwest Credit System When does it end
Consumer complaint received 2023-02-17
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. (AL)

My name is 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 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

***SOUTHWEST CREDIT SYSTEMS : XXXX, XXXX The account balance is incorrect, please delete. 

I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Debski, P.A. (FL)

I had three XXXX  County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX  ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reporting to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; Debski & Associates, P.A. posing as XXXX XXXX XXXX  ( XXXX  ), XXXXXXXXXXXX. They are a debt collections agency that buys old charge-off debt. This company does not represent XXXX XXXX XXXX  ( XXXX ) XXXX
Consumer complaint received 2023-06-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have been disputing company Resurgent Capital Services/LVNV Funding LLC since XXXX of 2023 with all XXXX credit bureaus. I have sent correspondence to this company requesting they provide proof that the debt is mine and they havent. I have no knowledge of owning or accepting a contract with the original creditor they say is fingerhut fetti. They claim I owe {$1200.00}. I have sent correspondence to them 3 times requesting specific information to verify I own the debt and they have failed to do so. Each time they respond with a copy of billing statement and an account summary which is inaccurate because I have NEVER opened any accounts in the state of Texas. 

They are violating my rights according to 15 U.S. Code 1681. This is wrong and inaccurate reporting and they fail to provide proof Im owner of said debt. I am saddened they keep sending me automated responses.

They have not provided proof of payments, address history, social security number, or transactions made with the alleged original creditor. I have also never received a 1099-C cancellation of debt form from alleged original creditor. 

THEY ARE REPORTING A TRADELINE ON MY CREDIT REPORT AND I HAVE NEVER DONE BUSINESS WITH LVNV FUNDING, RESURGENT OR FINGERHUT FETTI. 

DELETE THIS COLLECTION OFF MY CREDIT REPORT AS IT IS INACCURATE REPORTING AND I AM NOT THE OWNER.
Consumer complaint received 2023-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After submitting complaint XXXX results arrived magically. The investigation stated it was completed on XX/XX/XXXX yet did not receive results until the XXXX XXXX XXXX XXXXXXXX. This again violates the rules of Credit act that must report results within XXXX  days. Please investigate and enforce law
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-28
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: RateGenius Loan Services Inc (GA)

Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. 

Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. 

I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! 

I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX  but they said they could not do anything. 
I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. 

All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! 
I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! 

When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. 

Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. 

I am hoping that you can help me get the credit check off my account. 
Thank you XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

The credit bureaus can not be consistent on what they reflect on my credit report. I've been turned down on mortgages because of my scoring. From the attachments you will see the screen shots I've saved from my credit reports which were seen only a month apart. The discrepancy is for XXXX. XXXX report shows I was late XX/XX/XXXX. This is the month I paid for a {$300.00} secured credit card. You will also see status in XX/XX/XXXX as paid, closed. Then in XX/XX/XXXX, the status changed to XXXX past due. You will also see months late pages which is also inconsistent. I have a current complaint open for XXXX as well. I also want to know WHY my score with XXXX went down XXXX points! There is NO explanation on my report!
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (MI)

on XX/XX/2019 some one took out a loan for {$1000.00} in my name that i know nothing about. i called the company and told them about the loan but it still shown up on my credit report i would like it removed.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

On XX/XX/XXXX I suffered damages due to hurricane Irma. After receiving notices from mortgage company of an assistance program to defer payments for three months I took the opportunity to use this money for repairs and fixing whatever damages were created during this hurricane. It was never explained to me by PRMG ( mortgage company ) in writing nor verbally that at the end of the three months all payments would be due at once. On XX/XX/XXXX, after three months expired I continued to make my regular mortgage payments. To later find out that I was now three months behind on payments. I contacted the mortgage company and was advised of a loan modification program. On XX/XX/XXXX a trial period of 3 months was set forward with a new payment. These payments were made on a timely manner. During this time I was going back and forth with mortgage company due to errors on loan modification application sent to me. While I continued to make the payments set forth by the mortgage company I was notified that a second loan application was going to have to be filled out as the first one had expired. This application expired due to inaccuracies from the mortgage company not only on application but also verbally. I continued to make the modified payments till XX/XX/XXXX. I contacted the mortgage company and was advised that XXXX payment will be a regular payment and not the modified payment. I made the XXXX payment while I awaited for the reply of the loan modification application. On XX/XX/XXXX my mortgage payment was returned to me as now the mortgage company said I was over 6 months late in payments. This made no sense to me as I had made the payments set forth by the mortgage company. I continued to contact the company to try to resolve this issue and pay my mortgage. As of XX/XX/XXXX I was notified that my modification application was denied. Reason for denial per letter from mortgage company is erroneous based inaccuracies and misinformation, thus placing my home in pre foreclosure status. I have had to hire an attorney to try and help me save my home as I dont want to loose it do to unprofessional and inadequate assistance from the mortgage company. I have exhausted all remedies while trying to work this out with the mortgage company to no avail. I feel as if I am being forced to foreclose on my home by mortgage company as it seems that they are reluctant in working with me. For the past year this has been the most stressful situation I have ever been in. They have refused to take my payments thus putting me further in debt. I have been in contact with them throughout this process and have yet to receive a single straight forward answer to any of my questions. Every time I call I have to speak to a different person and not one individual to handle my case. The unprofessionalism they have shown makes me wonder how are they in business. 
Additional information can be provided if necessary.
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (NY)

I'm having problems with keeping up with the payments and it's because of how payments are being allocated. Told twice by a supervisor that my total payment went to interest not principle which cause the account to go in pass due status. XXXX cost about $ XXXX book value charged XXXX and paid about XXXX and still have a XXXX balance. Help me understand that in legal terms please. Now after about twenty-five {$400.00} payments I'm block on my account because I'm 23 days pay due. Which is schedule to come out my bank account. My fear is next it's repossession. I also see a suit from the Attorney General XXXX XXXX New York alleging the same conduct against other consumers.
Consumer complaint received 2023-08-19
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: BARCLAYS BANK DELAWARE (FL)

Previously I sent a dispute to Barclays and XXXX to remove two ( 2 ) inquiries made by BARCLAYS BANK DELAWARE. Barclays sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my XXXX credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) I will be attaching a copy of the letter sent from Barclays