davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of American and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call bank of america or chat with XXXX  they said it is up to XXXX XXXX to update when i call XXXX XXXX they say banks have to report. I have approx 10 credit cards all paid off and bank of american and XXXX is the only ones not updating my score. With other credit cards my score is 758=780 and Bank of American have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. Bank of American denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ BOA fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX XXXX.
Consumer complaint received 2020-11-11
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: Lockhart, Morris & Montgomery Inc. (CA)

Collection agency XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$870.00} and Lockhart Morris & Mont, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) XXXX XXXX has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, XXXX and Equifax are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Finance Company, LLC (TX)

XXXX XXXX XXXX, XXXX IS REPORTING IN MY CREDIT REPORT THAT I OWE AN AMOUNT OF XXXX from continental finance but has not provides any proof that this is if fact my debt. It states that this account was opened on XX/XX/2020.
Consumer complaint received 2019-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NY)

I applied for a loan for XXXX XXXX XXXX  through XXXX   comenity capital. The loan was for 2 years interest free which was due on the XXXX of every month from the when the loan was approved. For two years, the loan was paid monthly on time on the XXXX until the end and when the loan was paid off completely, i recieved another statement stating i owed accrued interest for the loan since it was not paid by the XXXX XXXX. This is highly egregious and unfair since most of my payments were on time. The biggest issue is that the company should have made the due date on the XXXX instead of the XXXX to avoid the customer pay accrued interest and i feel this is a very deceptive and fraudulent  practice to scam the customer. I spoke to customer care employee #XXXX  who goes by the name XXXX and he stated there is nothing the company can do. I have paid the full amount of interest so that more interest does not accrue but i am beyond furious that this has happend to me and i wish to have this investigated by the appropriate authorities.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )
Consumer complaint received 2023-02-11
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 acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how experian has violated my right.
Consumer complaint received 2023-07-31
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. (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 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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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
Consumer complaint received 2023-07-31
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. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2020-11-12
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. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to Trans Union, XXXX, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (CA)

Experian credit report shows one inquiry which was NOT authorized. This criminal company Experian puts ( 1 ) hard inquiry without any legal authority and ( 2 ) does not update correct address. This is 10th time.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX ROUTE XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TN)

This debt was resolved in XXXX with a different collection agency. Account closed. On XXXX  this debt was reported to XXXX as unpaid, resulting in a drop in credit score. I never received notice of this account via mail, phone or email. Represent claims XXXX notice letter was sent XXXX and a half weeks ago. Could not give me an exact date. I requested a copy of the original letter sent, representative laughed at me as she told me they didnt have it, then proceeded to say she submitted a request to billing for a copy as she continued to laugh. This company belittled me, told me it was my fault as I am not competent and do not know how to handle my debts, lied to me and told me the account came straight from original creditor yet later in the call accidentally mentioned another collection agency that has had the account ( the original agency I paid ). When bought to his attention that he accidentally let go of this information he raised his voice to me and became even more combative and defensive. Every agent I spoke to was very unprofessional. Very argumentative and insulting, laughing, yelling, name calling. They also do not have my correct name
Consumer complaint received 2023-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

I contacted Freedom Mortgage regarding a letter that I received after my mortgage was transferred from XXXX XXXX to them. I have a VA loan and I only owe {$25000.00}. I received a letter dated XX/XX/2023, that stated that my mortgage was increasing from {$1600.00} to {$1800.00}, a difference of {$260.00}. According to their figures regarding my escrow account, the Projected Minimum Balance is {$690.00}. The Required Minimum Balance is {$1500.00} making the total needed {$2200.00}. I asked the question, if I pay the Required Minimum Balance will my mortgage payment remain {$1600.00}. I was told No. When I asked why I was told it was because of escrow shortage. I was told that they needed an additional {$180.00} per month to cover the escrow shortage that I was pay off in a lump sum of {$2200.00}. I have talked with XXXX different representatives of Freedom Mortgage. It appears to me that this might be a case of elderly financial exploitation. Your company required Freedom to stop unlawful activities and pay a {$1.00} XXXX civil money penalty. To get the additional money that they need to pay their {$1.00} XXXX civil penalty they will " nickel and dime '' their older customers. If I pay off the escrow shortage my payment should not increase. Please review.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CHERRY TECHNOLOGIES INC. (TX)

On XX/XX/2023, I applied online for a line of credit through the companys website. 


Cherry Technologies, XXXX immediately denied me an extension of my credit. This denial is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have lodged disputes regarding a specific account with TransUnion repeatedly over the past 2 1/2 months. However, following each purported " investigation, '' the outcome consistently upholds the accuracy of the reported information. It is crucial to underscore that TransUnion is obligated to report only precise and truthful information. Enclosed with this formal complaint are supporting documents for verification. It is undeniably unreasonable for me, as a consumer, to expend my time rectifying errors made by one company through the intervention of another. Therefore, I express gratitude to the CFPB for their time and dedication in holding companies like TransUnion accountable for their actions.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I noticed a debt collection for XXXX appeared on my credit report about a a month or two ago. 
It says the debt was with my truck insurance provider. I called my local insurance agent, XXXX XXXX, to inquire about this supposed debt I owed to XXXX XXXX. 
XXXX looked at my accounts and said I didnt owe anything. She called XXXX XXXX and verified I owe nothing. I have been with this company and on auto-draft monthly for 9 years or more. I am clean for these 9 years. 
XXXX then called Firstpoint Collection Resources and got miss XXXX on the phone with she and me. We had a three-way conversation in which XXXX told XXXX XXXX I did not owe her and this was an error on their part. XXXX XXXX admitted I was clear, but did not remove it from my credit. I asked her how to fix it and she told me to file a dispute through XXXX XXXX, which I did immediately. She still did not remove the collection. 
A month later, I called XXXX  XXXX again and she had me to email her a long email explaining in specific details that they had mistaken me for someone else. She said that would resolve the issue. She still has not removed the collection from my report. 
I am not the person that owes this debt and they know it. But they do not care to remove it from my credit report. Please help me get Justice in this situation!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (GA)

I have an inquiry on my credit XX/XX/2023 that I did not authorize. I've submitted a letter to all credit bureaus and the company requesting proof of this inquiry so I could file a formal police report and still have not received anything.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NE)

On XX/XX/2023, I found out that my Discover Credit Card Account was closed without my knowledge. I learned this information after seeing a drop in my credit score. I contacted Discover to inquire why my account was closed without my knowledge. Discover reported it was due to inactivity. I never received any notice of that. Discovered noted a letter was mailed. They also noted a email was sent. Neither of which I knew about. They confirmed that they never attempted a phone call, although, it is the preferred method of contact. The major concern is the negative impact to my credit. In addition, the account has been open for approximately 9 years. I have never missed a payment, I have always been in good standing, in fact, there is a minor credit on my account due to overpayment. I have contacted Discover several times and escalated it. Each time their response is sorry, nothing we can do. The account was closed late XXXX. Discover noted that they sent notice in XXXX.
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Diversified Adjustment Service, Inc. (VA)

I am not working. I was working at XXXXXXXX XXXX XXXX as a XXXX XXXX XXXX. Working the XXXX but I was laid off and relieved of duty related to demands made by supervision. The access number for XXXXXXXX XXXX XXXX XX/XX/XXXX was the last day I was working. The integrity line connected me to a representative. My access credentials for the case file is XXXX pin access code XXXX these numbers will give you access website XXXX The creditors that the money is owned too is diversified adjustment service Inc XXXX XXXX XXXX reference number is XXXX the amount owed is {$610.00} and {$100.00} it's for XXXX XXXX account number XXXX the date reference is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-28
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. (IL)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CollectPark, LLC (TX)

I received a parking ticket notice for my daughters car which I cosigned for. They don't mention my daughter 's name once. The letter is supposed to be from a debt collector. It is supposedly signed by an attorney. There address is to a XXXX XXXX in MA. XXXX XXXX XXXX XXXX MA. According to the XXXX, XXXX XXXX XXXX, Age XXXX Lives at XXXX XXXX XXXX, XXXX, MA XXXX. Not Collect Park, the name of the company that sent the letter. They have an XXXX number. XXXX, I called and got a sketchy answering machine, but it did identify as collect park. There is so much fraud going on today that I think this letter is a scam. I did not pay them anything. Their website they want me to pay at : XXXX XXXX XXXX looks fishy too. I have gotten legit collection letters before and this looks nothing like those.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

After some incorrect accounts were removed from my credit report, I suddenly found another entry from THE CBE GROUP INC-FORMER indicating that I owed {$400.00}. I am puzzled because I have no recollection of any such debt. To clarify the situation, I contacted the only company I had a service with, which had disconnected my line due to poor service, and asked them to provide any statements or records of unpaid bills. However, they claimed they had no information or statements to offer. 

To my surprise, THE CBE GROUP INC-FORMER has now appeared on my credit report seemingly out of nowhere. I attempted to dispute the entry, insisting that it was an error, but they maintained that the information was accurate, disregarding my explanation of the mistake. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.