davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: Bridgecrest Acceptance Corporation (LA)

On XX/XX/2021 I sent third dispute to XXXX, XXXX, and XXXX in regards to reporting incorrect information. I have not received any information on them validating the accuracy of the account, however the reports that they provide remains unchanged. Bridgecrest account was a voluntary repo that was charged off and paid as agreed.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (OH)

First Advantage  ( Fadv ) ran a background check using XXXX XXXX instead of my legal name which is XXXX XXXX XXXX. When the international background check came back theres a criminal conviction for XXXX XXXX for a murder. The court records shows that the record is for a man named XXXX XXXX not a XXXX XXXX XXXX and they refused to delete the record on my background check report. 

This has cost me a lot and potentially lose my job offer for something I didnt do.
Consumer complaint received 2021-02-19
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. (VA)

I provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland contacted me about being sued for a credit card debt. I was greatly confused by where all this came from. I then checked my credit report and provided XXXX  with proof for a dispute. XXXX completed their investigation of the accused debt. XXXX investigation Resulted in debt being removed from my report due to fraudulent charges and incorrect amount. Informed Midland the company suing me in court. Yet, they have continued to harass me and cause me stress and grief.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I applied for three Loans with Amerisave in the first week of XX/XX/2020. 

Loan A- Loan amount XXXX Loan processing started in the first week of XXXX and it is now XXXX XXXX.The loan has been in approved status for sometime. However Amerisave is not closing the loan. Amerisave is saying they are waiting for the management 's approval to lock my rates. Amerisave refused to lock the rates even after my repeated requests to lock it. Initially Amerisave told me that they don't lock the rates, however I am guaranteed to get the rates in the initial disclosure, if the rates go up. Now they are saying they need management approval to lock the rates. 
Loan B - Loan amount XXXX Once I paid for the appraisal, Amerisave told me that I can't refinance this loan, because of seasoning requirements of the existing loan. I lost the appraisal fee. 
Loan C - Loan amount XXXX It took two months to close this loan. The rates were floated. Initially Amerisave said I can lock the rates anytime. However when I asked Amerisave to lock the rates, I was told that, Amerisave don't lock the rates before closing and however I am guaranteed to get the rates in the initial disclosure, if the rates go up. By the time of closing the rates went up slightly however Amerisave kept their promise. So no complaints on this loan.
Consumer complaint received 2022-04-18
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: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX, Consumer, Natural person, wrote a letter to Navy Federal Credit Union addressed to CEO, XXXX XXXX of furnishing inaccurate information, and failing to follow reasonable procedures for ensuring the accuracy of Consumer information, failing to properly investigate a Consumer dispute and issuing or obtaining a Consumer report for impermissible purposes has caused Consumer severe and actual damages for an account that is on Consumer credit report for a number of years as a CHARGED OFF. NFCU continues to act XXXX XXXX XXXX  as if they don't know what account Consumer is speaking of. Along with Consumer letter of them having a duty, the Consumer also sent in the IRS Form 1099 OID is which was submitted to IRS in XXXX. As stated in my letter informing NFCU that they CHARGED OFF the said debt on the REVOLVING CREDIT CARD that was paid in full. IRS Publication 4681 states if NFCU never sent Consumer a 1099 C form but DISCHARGED the debt and according to the IRS NFCU must report cancelled debt as gross income on NFCU tax returns and the IRS clearly define CHARGED OFF as gross or ordinary income which does not get reported on CONSUMER reports, which is fact makes NFCU reporting inaccurate. NFCU reported to XXXX that this debt was a collection and charge off and payments after charge off/collection-paid profit and loss while they reported to XXXX unpaid balance reported as a loss by credit grantor and that Consumer opened this account on XX/XX/XXXX. NFCU decided not to respond to this account # XXXX and instead decided to address an active XXXX XXXX XXXX XXXX XXXX XXXX  account that has never had any issues. 

NFCU requested for Consumer to send : 1. Detailed description of the item and why Consumer feel it is inaccurate 2. Date of the disputed item. 
3. Full XXXX account number in question 4. Copy of the single bureau credit report from XXXX, XXXX and XXXX that reflect the dispute And threaten Consumer stating without this information, in which Consumer has submitted a Notarized and Certified detailed debt validation letter addressed to CEO for DISCHARGED debt and copy of 1099 C along with Damages caused to Consumer [ Exhibit 1 ], Ceast & Desist Letter [ Exhibit 2 ], Invoice [ Exhibit 3 ] and Drivers License [ Exhibit 4 } and Copy of 1099 C [ Exhibit 5 ] that Consumer sent to IRS for XXXX  Estate Taxes. 

Also, the statutory limit for a credit card to be reported under Michigan Regulation and Collection Practices ( Excerpt ) Act XXXX of XXXX Prohibited Acts, NFCU has 6 years from the date of last payment to collect debt. 

Letter from NFCU [ Exhibit 5 ].
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TX)

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with Fed XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my XXXX XXXX to drop XXXX points with XXXX and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
Consumer complaint received 2024-03-11
Product: Credit reporting 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)

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2021-02-19
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: CORELOGIC INC (IL)

Hi I received a noticed from XXXX  there was a hard credit inquiry on XX/XX/21 from CREDCO. 

I have been working the last 2 days, and have not applied for any credit or mortgage. 

I did not recognize who is inquiring about my credit. If there is a hard credit pull, I am concerned about someone applying for credit on my behalf. 

I wish to notify somebody as soon as possible because I do not want to be liable for any eventual identity theft. 

Thank you
Consumer complaint received 2022-04-18
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. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Equifax Information Services LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX.
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

This has been a very hard ongoing investigation with Capital one. I been very sick and had an emergency operation and became XXXX in a matter of days. 
I had no time to waste I had to go with the hospitals and have a home card after my operations. for several years I was at the mercy of home care and had to allow my home to run with strangers and bills had to be paid with people i didn't know. as you can see I had questions on how my card reports came though for years I tried to understand why charges were on the account without me knowing there were several different people paying my bill while so others were using my credit cards without my permission. I have an attorney write letters to explain but i did not receive an answer. I really thought it was ok because you change the card numbers but during the time it took to get my cards in a settlement since I was not able to see my statements but was able to start paying my own bills after years of fraud that these caregivers has done. then this has happened I reported right away and was given a police report and the necessary investigation was taken. 

you have been helping in a way that I am grateful for. put please it is now years that I am asking you to take the late data off my report. 

it been years and since I'm still fighting for my credit I'm asking they you understand how this is hurting my life i reported to the police and my insurance company. here are the dates and credit card numbers. i know this is hard to understand now that I'm explaining maybe you cau erase the late data off om report that i had no fault because all my cards were paid off and and the cared works paid my bills and used my card without my permission account ending XXXX. Account number XXXX. Account number XXXX late XX/XX/2017 late 30 day late XX/XX/2017 late 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX Late 30 Days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days XX/XX/XXXX 120 days late XX/XX/2017 late 30 days late XX/XX/XXXX 60 days XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late three cards that are giving late date data, please correct
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sprechman & Associates, P.A. (FL)

On XX/XX/XXXX, I received XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX. ) XXXX was botched badly. I am constantly in Hospital with XXXX 's, XXXX 's, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
For almost 2 years I was not aware that XXXX XXXX took out a loan with XXXX XXXX for an amount I think I found out with last mediation from XXXX of XXXX dollars. 
I was under the assumption pmts was to be made to XXXX. As per the agreement. I found out in XXXX that this was not the case. I told XXXX XXXX XXXX XXXX, that last time in mediation, but now they are going after my only one car and stated that they would lean it. if i don't pay. I HAD NO KNOLEDGE OF THAT LOAN!!! I DID NOT GIVE PERMISSION FOR THAT LOAN. I HAVE TRIED TO RECTEFY BY MAKING SMALL PMTS SINCE THEY ARE RUINING MY CREDIT!! I tried taking XXXX to court to have the credit charges reversed to XXXX XXXX, but got entered a default judgement, since I was in Hospital and Defendant Attorney gave me a wrong court date. But now XXXX XXXX wants close to XXXX. And I am having severe medical complications due to negligent of XXXX XXXX and XXXX Again.. I thought I had a loan with XXXX. I did not give permission for any other credit Also this is my only car ... ..I had my last one for 10 years with XXXX before I bought another ... Request that car will not be liend. I request that XXXX returns the money charged to that creditor for whatever amount it was ( I do not know, since I never saw the amount. ). And removes those entries from court records and my credit. 
XXXX XXXX Yes I gladly give my name to ensure that others can learn from my experience and be more vigilant. I was a victim of greed. I was not aware that credit was taken out on my behalf. I still do not have a copy of that paperwork I signed.. imagen that... 
Again.. please help.. I have tried every avenue between the more than XXXX XXXX and endless hospital stays. Request that XXXX XXXX  gets refunded by XXXX XXXX, and XXXX XXXX in XXXX XXXX, for my botched XXXX that has cost me my health and my life. 
According to Regulation Z, I am protected since I did not give permission for that loan to take place. As I have stated many times to the Attorneys at XXXX & XXXX XXXX FROM XXXX XXXX FL
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-18
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)

XX/XX/22 - I submitted a complaint towards XXXX, XXXX, and Trans Union regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX  Accounts # 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 an account without my written instructions.