davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (AZ)

Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.
Consumer complaint received 2020-09-26
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: Resurgent Capital Services L.P. (CA)

On XXXX of 2020, contacted LVNV Funding about a collection they have posted to my account in the amount of {$870.00}. Upon further research this account was transfered/ sold and I am no longer responsible for this account Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signiture for this accused debt at all. A bill without a a signture does not validate the debt and body can send a bill and say that it is mines. Accroding to the FCRA ( Fair Credit Reporting Act ) LVNV FUNDING has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (CA)

This account has been disputed multiple times and Experian will not do a full investigation into the matter. This account reports OK then ND and then straight to Charge off status. How is that even possible?. The company refuses to update the ND on my credit report or give me proof of the late payment.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, you wrote on my credit report ( about my credit card, XXXX  XXXX ) that on XX/XX/XXXX and XX/XX/XXXX, I didn't pay XXXX  XXXX on time. This is your mistake, and I have always paid all of my payments on time. Attached is a letter from XXXX XXXX, that you made a mistake and that I did pay on time for both of those dates. Please fix this immediately my payment history with XXXX XXXX.
Consumer complaint received 2020-09-26
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. (TX)

I sent the following letter to Experian. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of Birth : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma
Consumer complaint received 2023-03-02
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. (NJ)

After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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. (NJ)

this account should not be reporting late, i called the company several times, and they stated they would take care of it. XXXX XXXX  XXXX XXXX is the only account number shown on reports
Consumer complaint received 2023-02-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

On or around XX/XX/XXXX, I told them the debt was from XXXX and it was not appropriate for them to be updating the " opened on '' date, and sound illegal. The representative I spoke with informed me they had been operating for many years like this and it most certainly was legal.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MS)

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Jefferson capital system account number XXXX. I never heard of this company or ever had a account with XXXX  please delete this account immediately I just sent them a letter on XXXX2024
Consumer complaint received 2024-03-22
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/2015, I allegedly opened a credit card with XXXX XXXXXXXX. The only problem is I was giving birth that day to my daughter. Her birthday is XX/XX/2015. I can definitely provide documentation.
Consumer complaint received 2023-03-02
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. (CA)

I sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.
Consumer complaint received 2020-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I requested a pay off amount for my HELOC to Navy Federal Credit Union. My account is currently handled by collection. I been calling them all day and my escrow to get the pay off amount. We started calling them morning eastern time ll the way closed on business date. We left a message for the request. Navy Federal Credit Union collection - Mr XXXX my case manager never returned my call and didnt provide the pay off amount. Navy Federal Credit Union gave as a hard time to provide an important document so I can close my house. Navy Federal Credit Union Collection dont have a supervisor to file a complaint. I have so much trouble dealing with Navy Federal Credit Union. They dont provide good service and very unprofessional. 

XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  Experian XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

Note : I don't know if what they did/are doing is illegal or not, but you didn't give me any other options that were more accurate. What they are doing is, however, certainly an unfair business practice. They also never informed me that they would do it. 

I appreciated and still appreciate the money NetCredit loaned me. It was a big help. 
And I am NOT complaining about their predatory interest rates ( like 84 % : By the time I pay off the loan in 5 years from the disbursement date, I will have paid more in interest alone than the total amount I borrowed. But still, I'm NOT complaining about that. ) Last year in XXXX, I was temporarily unable to afford the payments. I called, and a XXXX established a " temporary payment relief assistance plan '' with me over the phone : For 5 months, they would automatically debit my checking account via my bank debit card for {$50.00}. ( 100 % of each of those payments went to interest. But the majority of each regular payment also goes to interest anyway. ) Then I would resume the regular monthly payments of {$200.00}. 

All of the smaller temporary payments were covered, and I resumed the regular payments on time every month. 

Here is my complaint : Ever since this temporary payment relief plan was made, NetCredit has been reporting my account to the credit bureaus as " Past Due '' and sending automated emails dunning me to " pay your past due amount. '' But according to the arrangement they made with me, my account is NOT past due, nor SHOULD it be.

I called them two or three times. They refuse to stop the automated emails, which is not a big problem since I simply ignore and delete them anyway. However, they lied and said they had not reported anything to the credit buteaus. 

They are negatively affecting my credit report and damaging my credit : When anyone with access authorized looks at my report, it shows " 5 late payments '' even though I typically never pay any of my bills lateall 5 are NetCredit but no other creditor. And my payments have never been late. By " late '' payments, they are referring only to the five payments deferred for the smaller payments arranged during the temporary relief plan. And those smaller payments arranged were obviously NOT late since they were automatically debiting my bank card every month. 

Moreover, NOBODY at NetCredit EVER disclosed to me, NOT even over the phone, let alone in writing, that my agreeing to the temporary payment relief plan would cause them to consider my payments as " late '' or my account as " past due. '' This is clearly an unfair business practice!
Consumer complaint received 2023-03-02
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband XXXX XXXX XXXX XXXX and as a result of being extremely distracted i inadvertently missed a miniscule {$6.00} payment on my Kohl 's card. When I discovered this error I immediately reached out to Kohl 's and explained the situation. Kohl 's removed the small interest charge which was not requested but still reported this account to the 3 credit bureaus as 30 days late even though I have a verifiable hardship. I need this removed from my credit report because it simply makes our difficult times even worse.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XXXX at around XXXX central. I received a call and the representative asked if someone was available. I said yes he is. The representative took that as that person was me. She gave a date of birth. I advised I didnt state that was me. She got defensive stating that she took it as that answer was me stating it was. I asked to speak to a supervisor. That person said the same thing. I asked for someone above the supervisor listen to the tape and call me about this. I got transferred to the supervisor of the supervisor. I was told that I was in the wrong, not exact wording, for continuing the call if I wasnt that person. I advised it wasnt my job to do there job for them. I told him that they shouldnt be giving out information on someone if they didnt know if I was that person. My response was not a yes or no. All I stated was he was available.
Consumer complaint received 2022-05-20
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. (PA)

I WENT TO CAR DEALERSHIP TO BUY A CAR ASK CAN MY CREDIT BE RAN ONCE BY DEALER THEY IGNORE IT RAN IT OVER 3 TIMES HURTING MY PROFILE WHEN I DID NOT CONSENT TO SUCH
Consumer complaint received 2022-05-20
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. (PA)

I WENT TO CAR DEALERSHIP TO BUY A CAR ASK CAN MY CREDIT BE RAN ONCE BY DEALER THEY IGNORE IT RAN IT OVER 3 TIMES HURTING MY PROFILE WHEN I DID NOT CONSENT TO SUCH
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

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 ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-03-02
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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.