davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Since the courts do not report bankruptcy to the three ( 3 ) credit bureaus, they acted on their own. I previously requested A Method Of Verification of this account that they deemed as verified. Who was the person in whom they spoken with, and for any documentation to support theory. Including dates and times, Also in addition, In accordance with the FCRA, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account should be removed immediately ; ( 1 ) US Bankruptcy, 15 USC 1681 Section 602 ( e ). states I have a right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 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 in accurate. I'm demanding that the accounts above be removed and deleted immediately.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation (KY)

I attempted to pay my mortgage today XX/XX/XXXX. I was told they could only take my XXXX and XXXX payments together. I was also told this would hit my credit regardless and there was nothing I could do. I paid the first of XX/XX/XXXX for the regular payment amount and it did not effect my credit. They are forcing me to take a hit on my credit and as of this day I am not 30 days behind. The 30 day mark would occur the end of business tomorrow XX/XX/XXXX. They took away my option to pay online and over the phone with no help what so ever to avoid the delinquency. I am now forced to mail it off and be 30 days behind because of the refusal from multiple people at the XXXX XXXX XXXX specifically XXXX who had no solutions but to give her XXXX over the phone right then. I have other bills and children to feed as well this is not a realistic plan. They did not care to hear any of it. All interactions occurred today XX/XX/XXXX between XXXX and XXXX.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$1000.00} on account ending XXXX. On XX/XX/2021, Capital one closed my open end consumer credit plans without providing me with sufficient documentary evidence as why they closed the accounts. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Capital One has violated federal law by stating that I owe an alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-15
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. (TX)

The following inquiries are not recognized and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-21
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. (MI)

To whom it XXXX concern, EXPERIAN is knowingly and willingly defaming my character by furnishing inaccurate information and without my direct written consent. They are damaging my XXXX as well my character.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

Mortgage company refused to provide any kind of payment arrangements, provided them with a copy of a sale contract and still continued with the foreclosure sale. Foreclosure sale was scheduled for XX/XX/18 at XXXX yet the Certificate of Sale was time stamped with XX/XX/18 at XXXX before the sale took place.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (IL)

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my Experian report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my Experian report and nowhere else. 

please update all to paid as agreed
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (DE)

I have two separate fraudulent transactions that were obtained through my money lion account. Which is connected to my XXXX XXXX XXXX XXXX XXXX. I received a text from money lion stating my account was locked. Once I clicked the link, I than received debit card alerts for {$480.00} and another for {$770.00}. I didn't authorize either transaction. And both are pending through my credit union interfering with my rent payment that I submitted through billpay. It also shows that the card uses ended with XXXX. Money lion gave me a ticket number of XXXX. But did not provide any further information of a timeline or the exact process to return my money.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited by paycheck in person to a Bank of America XXXX on Friday the XXXX around XXXX I was told by the teller the funds should be ready by the next day. At two in the morning I received an email from Bank of America stating they were holding my check, no funds available until XX/XX/XXXX. I have a photo copy of said email.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (FL)

In XXXX I spoke with a representative from XXXX University about possibly attending college again. I was just released from prison after 14 years and he told me he needed my credit card #. My final decision was to not attend college due to the fact that I was trying to get on my feet and couldn't afford it. The representative said he understood and would contact me at a later date to see if anything had changed. After several months I started receiving statements telling me that I owed the university {$2400.00}. I responded to several phone calls telling the university that I never attended, but kept receiving the statements. In XXXX I started getting statements from Asset Recovery Solutions. LLC stating that XXXX University wanted to work out a deal and would accept 70 % of what they had been trying to scam me out of in the first place. In XX/XX/XXXX I spoke to a man from Asset Recovery Solutions telling him I never attended XXXX and he told me to start filing all the information necessary to prover identity theft even if it was possibly the representative that had spoken to me in XXXX. I am starting to do that now.
Consumer complaint received 2023-04-18
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: Security Credit Services, LLC (TN)

Security Credit Services is report an account for XXXX with a balance of {$450.00}, but they have sold the account, by their own admission, to XXXX XXXX XXXX XXXX XXXX Because they no longer have any rights to this debt and it has been sold, I have requested that I be removed from my credit report.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MD)

I never used SageStream and XXXX services before. What they did is illegally stole my personal information to sell to credit card applications and what not. I requested complete opt out and removal and they will not remove me without my SSN and date of birth ... which they should never have that information in the first place, nor an I giving a company that stole my information more of my personal information. I have tried going the XXXX  route and they continue to respond with the same response of they will send me a letter, which means they don't care about storing my personal information.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

This company is currently showing 30 days late XXXX and XX/XX/XXXX ). I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
As per Federal law, the bureau should refrain from reporting the account as late.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CT)

I had canceled a money transfer with western union before it was processed. However they still withdrew {$3700.00} from my checking account. I have called them several times and they keep telling the money has been refunded. Still not refunds and it has been 10 days now. I received an email saying the transaction had been canceled because the payment method was wrong and to try with a new payment method. ( even though I was the one who cancelled and they withdrew the money already.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE.

Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions.

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe.

Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

A debt collection was reported on my credit report from Credit Collection Services for {$800.00} for a XXXX bill that I did not have any knowledge of .This account was fraudulently opened using my information. I haven't used comcast in many many years and have had XXXX. I have spoken to people at this company about this and I thought this was rectified but here we are.I filed an identity theft report months ago and reached out to the federal trade commission. Im going to have to get my lawyer involved if this is not taken cate of immediately this is ridiculous.
Consumer complaint received 2022-02-05
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: Lincoln Educational Services Corporation (PA)

I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 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.