davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-06-17
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)

This is third time I have reported this issue with Experian disputing the fraudulent account with XXXX  XXXX. 

On XX/XX/21, I sent a dispute letter to Experian via certified mail. In the letter, I requested to see the source of the information which is the original contract that contains my signature per FCRA section 609. 

On XX/XX/21, Experian informed the disputed was completed. Once again they electronically verified the fraudulent account. They only updated the balance date and nothing else. Per Section 609, Experian didn't provide me with the source documents or the original contract. 

To date, XXXX XXXXXXXX has not located the original contract to provide on XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (OH)

The CARES act allows borrowers not to pay fed student loans until XXXX. For those on PSLF, this period still counts as a qualified payment under the legislation. Despite this, fed loans continues to send emails about hardship forbearance indicating that taking a forbearance makes a person ineligible for PSLF during this period. This is deceptive and contrary to the law just passed.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

XXXX XXXX  XXXX REMOVAL REQUEST FORM How is this form used? 
Its used to request removal of Private Mortgage Insurance ( PMI ) from your mortgage loan. 
Note : FHA loans entail different removal criteria. The applicable form is available on our website : www.rpmservicing.com A new valuation, which can cost up to {$600.00} or more, is required* to confirm the value of the property. This can be true even when removing PMI based on the original value of the property. 
What requirements must be met to initiate cancellation of PMI? 
The loan must be current on mortgage payments. 
The loan must have a good payment history. A good payment history means : o No payments 30 days past due in the last 12 months, and o No payments 60 days past due in the last 24 months. 
The current property value must be at least equal to its original value The loan must meet the applicable loan to value ratio ( LTV ) provided in the PMI Cancellation Matrix on Page 2.

There must not be any subordinate lien ( s ) attached to the property. 
For properties located in Minnesota, the property must be owner occupied. 
For loans seasoned less than 2 years where substantial improvements are claimed, evidence of substantial improvements are required. This includes a list of improvements, contracts, and receipts ( see the FAQs on page 3 for more information ). 


I called to inquire about PMI removal which resulted in a {$500.00} charge, they sent someone for Appraisal and we didn't qualify LTV based on Original Value 80 % XXXX XXXX : 70 % XXXX XXXX : 65 % Other : 70 %. Prior they did not advise. I inquired online. Since then ( 12+ months ) they stated it would automatically come off by XX/XX/2019. 

I am still being charged {$75.00} every month. The mortgage balance is {$210000.00}, the home value is {$290000.00} and the original purchase was {$270000.00} with {$40000.00} down payment. 

They want to charge me another {$500.00} to remove this PMI!
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

this company have been continually calling me and once I told them to stop, they started to email me. I have explained to them several times, that I did NOT open this credit card. Even the name of the company is suspicious. I have other credit cards, that are in good standing, and I have asked them to provide me with a contract, a statement that itemize where I spent the " suppose '' money and they have never responded, just trying to settle the debt. It is also curious for me that it has been removed from XXXX, and XXXX, but they continue to report it to XXXX.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TransUnion smartmove is reporting an eviction I was never evicted from XXXX XXXX and called TransUnion on XX/XX/XXXX and was told it will be removed and today I am being left homes less with children because of this matter its Im correct and want it deleted or I will contact my attorney
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (GA)

I had opened an account on XX/XX/2023 and the last payment I made to the company was on XX/XX/2023. Due to hardship, I wasn't able to make my payments anymore so the company charged off my account. I started receiving letters and calls to with offers in attempts to settle my debt and close the account. I came to terms with one of the letters and saved up the amount asked for ( {$1900.00} ) and made the payment over the phone to the collector. The collector I spoke to assured me that the account was now closed and that it would take up to 30 days to be removed from my credit report. It has been about two months now and it is still effecting my credit. After speaking to the collector, he assured me that everything will clear up and things will be fine but the account is still listed as opened and that I still owe this company but when I called them they stated that the account was already closed and paid.
Consumer complaint received 2024-01-02
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I settled with Citibank over a charged off card with a balance of {$8200.00} for {$3200.00}, account XXXX. I paid this on XX/XX/XXXX, confirmation number XXXX. 
On XX/XX/2020 the payment cleared my bank. Citibank then reported an updated balance and negative status to XXXX, XXXX, and XXXX credit bureaus. I called Citibank on XX/XX/XXXX and XXXX, and XX/XX/XXXX asking them for a letter saying I had paid the settlement, and they refused, telling me to call back in 52 days. In XXXX, they continued to report negative information to the credit bureaus. On XX/XX/XXXX, XXXX. and XXXX, I faxed letters to Citibanks Credit Dispute Department requesting they correctly update the bureaus, because I feel they are in violation of FCRA 623. The account should be reporting settled, paid for less than full with a {$0.00} balance. Citibank reported to all three bureaus I was disputing the validity of the account, which I was not. They proceeded to add and remove comments such as " sent to collections and {$0.00} written off ''. After calling all 3 bureaus on XX/XX/XXXX, the disputes were removed. Citbank then reported the account negative again on the XXXX and XXXX of XXXX, adding and removing the dispute comments. I feel Citibank is being deceptive and reporting inaccurate information to the bureaus. Please see the attached settlement letter and bank statement showing payment.
Consumer complaint received 2021-06-17
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. (MA)

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a XXXX. Contacted XXXX  in regards to the XXXX credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.
Consumer complaint received 2020-03-29
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2024-01-02
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

Not sure whats going on here but this company XXXX XXXX believes I owe them funds ..this is fraud! And is the result of reporting on my credit file. 
{$810.00} Open XX/XX/15 Account # XXXX
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}
Consumer complaint received 2024-01-02
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. (TX)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an auto loan account ( ending XXXX ) with Bank of America opened XX/XX/XXXX. Last XXXX I was notified by my credit monitoring app that this account is delinquent for the month of XXXX and my score went down drastically. I was shocked because all of my credit card/loan accounts were paid by AutoPay features of the banks and all my accounts were in good standing. After I went through my account history, I found out that Bank of America had deactivated AutoPay for this account in XX/XX/XXXX for no reason and without getting my consent. I tried to contact credit reporting related department in Bank of America, however I was bounced back and forth between Auto loan and online technical support departments each claiming the other is responsible and should handle the matter. I then gave up resolving this issue in Bank of America and tried to dispute all three credit reporting agencies. I received inaccurate results, the results are as follows : XXXX  : XXXX added a comment saying dispute accepted under FCRA ( causing an increase in score ) but a month later this remark was removed ( causing a decrease in score ). Current score : XXXX XXXX : For some reason they removed the account all together. This month the account is re-added and claiming the account is past due since XXXX. This is incorrect information as the account is current and last payment posted XX/XX/XXXX. Current score : XXXX XXXX : XXXX seems to have rejected the dispute but the score went up regardless. The late payment is still visible. Current score : XXXX Before this incident my credit score was around XXXX. XXXX  now shows XXXX. The other two seems to be jumping up and down. Please help me remove this late payment information from my credit history. I did not initiate the removal of AutoPay and was not aware of it when Bank of America removed it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried multiple times to demand that they send me documents or bank statements proving the information belongs to me or that it is reporting correctly. The verification process demanding proof or evidence has been ignored consistently and repeatedly thus violating my consumer rights and the FCRA and FDCPA when requesting validation of debt. This has been affecting my ability to obtain credit when I most need it which is my current situation.
Consumer complaint received 2022-03-25
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. (UT)

A dispute was submitted to XXXX XXXX who was listed as the source for two dismissed bankruptcies on my Equifax Credit Report as inaccurate information and XXXX XXXX returned re-investigation results as removing the two bankruptcies from their report on XX/XX/XXXX. 

A dispute was filed with Equifax and proof of the deletion was included and highlighted, and Equifax is providing a generic response of accurate information. 

The dispute is for the removal of the bankruptcies. This has been an on going issue but I either do not get a response or I get another results letter stating it is accurate. 

Another re-investigation was filed with Equifax XX/XX/XXXX with proof and they just provided a electronic generated response and now they are saying the bankruptcies are listed as discharged and not dismissed, but still naming XXXX XXXX as the source of bankruptcies that are not on my report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}
Consumer complaint received 2021-06-17
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. (NC)

XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX Experian XXXX Specialty Clothing XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

False information was placed on the credit file regarding a collection agency that goes by the name of XXXX XXXX XXXX. The information was false and removed. TRANSUNION sent verification of removal marked XX/XX/2020. 

Now TRANSUNION is showing the same item with a different partial account number with XXXX XXXX XXXX is back on the credit file as of XX/XX/2020. 
This is clear and willful intent to damage the consumer. How is the same item and same amount showing on the credit file as of XX/XX/2020 and being reported again on XX/XX/2020 just by changing a partial account number? 

These dates are clearly not adding up and show clear deception by only changing a partial account number. TRANSUNION sent nothing to me stating this false account was being added back on ; especially, added back on with another made-up partial account number. XXXX XXXX XXXX also needs to be investigated.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

National Credit Adjusters, XXXX XXXX XXXX Ave., XXXX KS XXXX appeared on my credit report claiming they were collecting for a credit card company that I have no contract with and have not applied for in the past. I sent them a certified letter asking them to validate this debt with a wet ink signature on a contract. In addition, please send me a license to collect in my state. 

No response. 

The creditor was contacted and did not respond and was deleted from XXXX. The other CRAs have not updated their records yet AND ARE ALSO in violation. But that's another complaint and issue. 

This account needs to be DELETED from all remaining credit bureaus IMMEDIATELY! 

They are violating my federal and state rights ; hurting my reputation ; and damaging my credit enhancement opportunities! A car and house are out of the question as long as this company violates my rights!
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.