davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
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: CCS Financial Services, Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2021-01-17
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: CBC Companies, Inc. (TN)

On XX/XX/XXXX, I sent a letter challenging the validity of these alleged bankruptcy Innovis have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with XXXX, I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to hear back from them.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AZ)

I disputed this alleged repo with Santander and sent my dispute through the USPS Postal service certified mail on " XX/XX/2020 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.
Consumer complaint received 2021-01-17
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2021-01-17
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: Verisk Analytics Inc (TN)

On XX/XX/XXXX, I sent a letter to LCI challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with LCI. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from LCI to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Consumer complaint received 2024-03-21
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX
Consumer complaint received 2024-03-21
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. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (MI)

To : XXXX  XXXX RE : XXXX & XXXX # XXXX I am writing this letter in response to the letter received from you dated XX/XX/2020, concerning an XXXX account. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you this debt does not belong to me. This debt may be the result of unauthorized charges, therefore I am requesting you to provide me with verification that XXXX conducted a proper investigation, proof of their investigation and the unredacted file they received and used to conclude their decision. I am also requesting validation of the debt as my right under. ( 15 USC 1692g Sec. 809 ( b ) ) I am asking that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you or anyone. You know the drill and I am advising you to act accordingly. 
Your non-compliance with my request could be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, Mi. XXXX - XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

All three credit agencies are listing Erroneous names/Addresses on my consumer credit report. XX/XX/2023, I disputed those inaccuracies but nothing has been changed. They are still listed.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit is reporting a new collections account on my credit report. The account is from a credit one account that I SETTLED and CLOSED with lawyers hired directly by MIDLAND. 

Early XX/XX/2020 ( payment was deducted XX/XX/XXXX from my checking account ) I settled an account with a lawyer based out of Georgia that was HIRED by midland. I settled the account for WHAT WAS REQUESTED by the lawyer on BEHALF of their client midland ( XXXX ) and I have proof. The lawyer rep explained that the account was settled and there would be no other contact or collection efforts from midland or their office. Now, midland has reported a new collections account. I am furious that THEIR lawyers would lead me to believe I settled my account. I used the funds I BARELY had in the middle of a pandemic, and now they slap me in the face for {$120.00}? I attached the amount being deducted from my account, and on the day. Midland has access to see this, because they received the payment from the lawyer they HIRED. Scandalous and I will ensure I DONT let up about this. As a COMPLETELY XXXX veteran, Im definitely contacting my congresswoman.
Consumer complaint received 2024-03-21
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX  Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WV)

On XX/XX/2020, I took out a small loan from Net Credit who solicited me over 25 times to take the loan. My credit score at the time was around 640-660. I was told over the phone that my payments were going to be low and would have a good interest rate because my credit score was ok. After speaking with them they had me send some documents over and then told me the loan was approved and would be deposited in my account the following day. I went through a document that should my payment schedule if I made the payments on time when would my payment start to decrease. They told me all I had to do was pay a little more than the payment due and my payment would start dropping. 
The next day I pulled up the document they sent me to see exactly how many payments I will have to make. They also told me with each payment made on time it will decrease my percentage on the loan the more on tie payments I made. 
At the time I took the loan while I was not fully in my correct state of know-how and in some distress because the rush to get the loan accepted and done was the focus. In this mad rush, there was one page I did not recognize on the page was the interest rate buried I am large paragraph I verbally asked what was the interest rate they consistently told me b it could by 19-35 % based on my credit score.

I didn't dig deeper since I knew my credit score wasn't bad so I could probably deal with the 19 up to 21 % and especially since my interest would go down as my payments come in, I would be ok even if I had to be in the hospital. I am XXXX XXXX and suffer from XXXX and XXXX XXXX, XXXX, and XXXX XXXX XXXX. 
The loan was for {$5000.00}. My monthly payments are {$290.00} so I figured about 20 payments. I was devasted and shocked that they had given me the loan at a 65 % interest rate!!! I never heard of anything so high in my entire life. I panicked and called them to ask them why was I at such a high-interest rate when my credit was fine. I told them I could not do this and could drop the huge devasting interest rate. 
I have been paying this bill since XX/XX/2020 at {$290.00} a month. I am terrified I can not fulfill this process on these terms with this astronomical huge unheard of interest rate. Someone told me it's illegal. I have been making payments for over a year and my loan is still for {$4900.00}!! I have paid them as of this date a total of {$3200.00} but they show I owe still the {$5000.00} just about. Please can you help they are taking full advantage of me because of an emergency? I would never have agreed to take the loan out if they would have verbally on the phone during our validation and loan info that I would be paying 65 % in interest. They never told me while doing the application over the phone that I would be subject to this fraudulent loan. Anything you can do to help I appreciate greatly. 

Thank you
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 a call from XXXX and XXXX called to say my credit card was used to purchase several items from XXXX. They knew my credit card number and expiration but wanted the three numbers on the back. They called several times in a row. I called the Capital One number on the back of the card and this is not their process and the purchases were never made. 
I cancelled the card. 

Thanks
Consumer complaint received 2021-01-17
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (TX)

Sallie Mae is reporting a tradeline account to my consumer credit file. I learned that the loans are for a school by the name of XXXX XXXX XXXX XXXX was closed - shut down due to fraud. By continuing to report a tradeline with derogatorymarks Sallie Mae is in violation of the FCRA. I did not authorize any student loans to be paid to XXXX XXXXthrough Sallie Mae. Thus any and all activity on this account is fraud.
Consumer complaint received 2021-01-18
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. (TX)

I have tried to have Trans Union to correct the inaccurate information and I also notified them of the fact that they were in violation of my federally protected consumer rights. They have yet to delete the information per my request or update my consumer report.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-01-17
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. (GA)

As per FCRA : Courts do not furnish Bankruptcy information to CRAs directly..nor do Filing Attorneys.. 

So they must be put on the Reports by the CRAs from public record without authorization from the Consumer, Courts, or the Filing Attorneys. 

With that truth..then are CRAs only able to report information/creditors to a consumers report ONLY if it is furnished to them directly from the creditor/furnisher? In this case : Courts and or Filing Attorneys. 

If TRUE..then my Chapter XXXX will be removed now. Although we are approaching the 10 year mark..it was not DIRECTLY furnished to the CRAs for reporting.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I see that XXXX XXXX ( via XXXX XXXX  ) reported a 30 day late payment to Equifax. I was not 30 days late, per their own statement, of which I have attached for you to review. Equifax ( reported under 1 XXXX ) : XX/XX/2019 payment 30 days late. I was actually late with my XX/XX/XXXX payment, they added a {$39.00} late fee and raised my interest rate so they also added an additional {$15.00} for that. I made the XXXX payment on XXXX XXXX, according to my bank, I was not 30 days late there either. They subsequently waived the late fee. Of course, XXXX won't let me access XXXX XXXX statement, or any of the preceding month 's statements, so that is not included in my attachments. What's important is, my XXXX statement. The XX/XX/2019 payment was due on the XXXX. I happened to be late with that one as well. They added a {$39.00} late fee, plus additional interest, so my past due balance on my XXXX statement that came out on XXXX XXXX, was {$99.00}. XXXX XXXX statement also clearly shows a minimum payment of {$160.00}, that is due on XXXX XXXX. On XX/XX/XXXX, I made the payment of {$160.00}, per their statement. My math tells me there is exactly 28 days between the due date ( XX/XX/XXXX ) and the date I made the payment ( XXXX XXXX ), so I was not 30 days late. XXXX and XXXX statements attached.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (NY)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

XXXX XXXX and deceased XXXX XXXX are saying they have no dealing too Mr Cooper as the ownership trustee of the company .if it not them, then who is it .the record is say XXXX XXXX are active trustee management for Mr Cooper. Address on file for this company is XXXX XXXX XXXX XXXX ga, and XXXX and XXXX XXXX  XXXX  XXXX ga, deceased owner of the company Mr Cooper XXXX XXXX XXXX, it is a pandamic be out here. Us the heirs need a relief, and for both of them says they have nothing too do with this .then contact Mr XXXX XXXX make him sign a release form so I can step in as a heir too the company or beneficiary .to company and take over. I have wait 21 years. I don't want too die and waste my time XXXX XXXX deceased date on file for this company is XX/XX/XXXX .file in probate court XXXX ga. Under XXXX XXXX and XXXX XXXX.