davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Experian reporting agency is not reporting accurate credit history, that I have established credit, and inaccurately reporting that I have a collection/judgement on my report. This is based on information I received from an adverse credit decision that was not approved due to this report. I am current with all of my accounts, should not have any collections to be owed in my reports, or judgements.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

On XX/XX/2018, Convergent Outsourcing Collection Agency reported a debt of {$190.00} from my original creditor XXXX. 

Once I became aware of it, I immediately contacted XXXX to resolve the issue. According to XXXX REP, there are no current past due balances on my account. Nor do I owe {$190.00}, as confirmed with the representative I spoke to. 

I have strong reason to believe that this account is FRAUDULENT.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received an insufficient response from them and they did not update the credit report as disputed. 

XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
WF/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (PA)

The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?
Consumer complaint received 2022-12-30
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Consumer complaint received 2021-04-20
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. (CA)

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (PA)

The XXXX XXXX XXXX XXXX website refused twice to deliver my credit reports. I was told to contact the individual companies for my reports. All 3 companies have flat out refused to provide me my reports. This in spite of the fact that I am looking for employment, and a new apartment. So I am absolutely eligible to receive my reports from all 3 companies for 3 separate reasons. I was due and eligible for my yearly free reports. I am also looking for a new job and apartment. Further more ; last year I disputed some entries on my credit report with all 3 companies. Their ideas about what an investigation is was to call the original people who erroneously reported on me and simply ask them if these were my debts. I demanded to see my signature or copies of my ID for anything being reported. They refused again. This is just not right. Too often in this country the little man gets stepped on and beaten up by corporations and organizations who do not even follow the laws. If rule of law is ignored by them why do I have to follow it?
Consumer complaint received 2022-03-25
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. (PA)

These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-03-29
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've recently disputed about this XXXX  credit on all three of my credit reports Experian, XXXX and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and Experian account. The amount owed is {$1100.00} but has not been verified on my XXXX  Experian or XXXX   accounts.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (FL)

Sometime in 2015 while I was away in Virginia or Florida American acceptance allowed my ex husband to purchase a vehicle and add me as a coapllicant without my permission. When I called about it they told me the only thing I could do waa to have him refinance it with only his name. American Credit Acceptance XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (TX)

CREDIT SERVICE INTL CORP Is reporting negative false information on my credit report. I do not have a contract with CREDIT SERVICE INTL CORP .They did not provide me with the original copy as I requested. Therefore the information they are reporting is fraudulent and needs to be removed off my credit report.
Consumer complaint received 2022-12-30
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$10000.00}
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. 

Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. 

I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. 

I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.
Consumer complaint received 2020-03-17
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. (CA)

I changed bank accounts and when I put in my new bank account the program kept taking the old bank number. When I realized it I called the bank and talk to IT person who helped me go to another program to input. In the meantime no pmt made. My new bank account had 2 account numbers with the checking account ending with a XXXX. I just put in the bank account number as the online program asked if it was checking or savings account. This was not right and check returned again. In the meantime I called the bank several times asking what to do as I could not make any changes in program. I had the money and was trying to pay. They closed my account. It was a Citibank Costco card. I appealed twice to no avail. I was due to have my cash rebate of {$500.00} sent to me the following week. They said since my account was closed I could not get the money I earned. I think this is outrageous. This was an honest mistake and part of the problem was their online banking system. Im a senior citizen and getting ready to retire and I feel like I have been robbed.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-03-17
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. (NJ)

I AM XXXX XXXXEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (NJ)

I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (IL)

-Since the mortgage was transferred from XXXX , XXXX XXXX , Florida ( also reporting late payments to the credit bureaus while the case still was in court. I have paid for late fees totally out of my control as a customer. 
- Gregory Funding, LLC charged me fees for delays in the transfer of the mortgage paper work from XXXX to them. 
I had experienced rude and unprofessional behavior/attention even arguments with the customer representatives. They talk and act as you " the customer '' own them something. Customer Representatives answer to simple questions without " clarity '' and " transparency ''. These abusive acts and unfair practices such as paying for fees out of my control during the transfer process of my mortgage between XXXX to Gregory Funding. 
- Latest incidents : Since XX/XX/2020 until today, Tuesday, XX/XX/2020 I have been faxing and calling Gregory Funding, LLC to please submit a " Pay Off " letter to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX -- XXXX. 
( Contact person : MS. XXXX XXXX, Loan Manager ). -  Faxed twice last fax : dated XX/XX/2020. -The Credit Union Processor and the Mortgage Loan Manager contacted Gregory Funding , LL 3 times to get the " Pay Off '' letter.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE