davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMW Financial Services NA, LLC (FL)

I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX I reached out to BMW Financials and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

In XXXX if 2021, I paid off my credit card with Comenity Bank ( XXXX XXXX ). I asked them to also close my account and to update credit bureaus that it was indeed paid off, up to date and closed. However, this company continued to charge me interest etc. 
I have contacted them NUMEROUS times in regards to them saying I owe them money as well as disputing late payments with credit bureaus. When I spoke to them on phone and email, they stated charges would still occur when a man account is closed. Well, noit shouldnt. A closed account, requested my customer, should in fact be closed. 
I literally wanted them to show this on credit reports and to be rid of them completely but that hasnt been the case. I am extremely fed up with this company and would appreciate help getting this issue resolved. I am among thousands that they have done this to. 
My good credit score has been damaged and they need to fix along with not sending me any more bills for a card I dont even have anymore.
Consumer complaint received 2020-10-06
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. (VA)

I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.
Consumer complaint received 2023-02-09
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. (MN)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609that this account be removed from my credit report immediately.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services (CA)

XXXX XXXX XXXX XXXX XXXX AND SEQUOIA FINANCIAL SERVICE Reporting to credit bureaus that I owe a debt of as of XX/XX/2022 ( XXXX mos ) in the amount of {$540.00}. However, XXXX XXXX XXXX and XXXX has no record of the debt, can not find the associated account, and can not verify my authorization of any such debt.
Consumer complaint received 2023-06-22
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)

Experian and XXXX are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all 3 bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against Experian and XXXX if this account is not removed from my credit report immediately. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (IL)

I disputed an account that was fraudulently opened with XXXX XXXX that is being actively collected by Ad Astra Recovery Services collection agency. Ad Astra Recovery Services is negatively reporting an amount of {$2400.00} that I do not owe on my credit report. I have contacted XXXX XXXX and was advised the amount is no longer owed. Ad Astra Recovery Services are still attempting to collect a debt that is not owed. This company is violating the Fair Reporting Act by reporting inaccurate information that has not been verified. This company needs to be held accountable as Im sure Im not the only consumer affected by this negative credit reporting.
Consumer complaint received 2022-11-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

I recently submitted documentation to figure out what my monthly payments would be. I had been paying {$360.00} per month which was a reasonable amount given my salary and other expenses. My new payment was calculated to be {$920.00}. I have not had a significant change in income over this past year.
Consumer complaint received 2023-02-24
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NJ)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL 3 CREDIT BUREAUS : XXXX, EXPERIAN, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY . I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (CA)

On XXXX XXXX my credit report was pulled to see where I stand financially for purchasing a home. My report showed a loan taken out under my social security number for {$100000.00} with FMC-Omaha Service that I did not authorize. I believe this is a case of identity fraud. The loan was authorized XX/XX/2023. I need to dispute this loan immediately.
Consumer complaint received 2022-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

I currently have a mortgage with Rushmore Lending. In XXXX of XXXX my loan was bought by them. I originally had XXXX XXXX. I was in bankruptcy at the time the loan was sold. I am currently in my last year of the bankruptcy. All payment have been paid on time to the trustee office. 
Here is my issue. On the statements my amounts are not correct. I contacted the company and they gave me the run around. They sent me a letter in XXXX stating they would be sending me my escrow that is around XXXX dollars. Weeks went by and never received a check. I called and it was the same run around. Today XXXX XXXX I received a loan modification packet and it threatened foreclosure etc. 
I being researching this company and ran across thousands of other people who are having the same issue. I am a Veteran, mother, and a federal XXXX XXXX XXXXXXXX who cant loose her house. This company has me scared to death that I will loose my house. Im protected right now being in bankruptcy but what happens when I come out in XXXX of XXXX? The XXXX site has thousands of complaints with this company. We need this comps to be investigated. They are horrible! There is another who is actually fighting them in court for not applying over 80 payments to her account and going into foreclosure. 
I need help!
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (CT)

Here in ct, unemployment debit card was frozen by key bank, two attempts were made too order a replacement card too access funds deposited by unemployment too account and neither attempt has had card sent in mail.there is money in the account I can't access without the Debit card replacement this issue started apx XX/XX/2020, each month since today 's email two request were made by phone too keybank with no card being recived by mail. As of XXXX XXXX now. The last card issued was debit card XXXX which is still frozen by key bank and I have in my possession waiting on a new card replacement.
Consumer complaint received 2023-02-24
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. (CO)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX
Consumer complaint received 2020-09-28
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 a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, XXXX  and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I was contacting companies to refinance some Merchant Cash Advances and relied two offers. This guy contacted me and was going to fund me with repayment terms however her told {$5700.00} from my account claiming that it was his FEE and then refused to respond. 

He went by the Name XXXX XXXX in email with a phone number of XXXX. He also had me call these numbers for verification XXXX and XXXX. I recorded phone calls and to the best of my knowledge it is the same person. I called him back and argued about him not following up on the deal nad he pretty much laughed at me and assured me that it would be handled and that I jsut needed to put more funds in my account. 

I ended the call by asking his company name again, to which he Said XXXX XXXX and then I said and you are XXXX XXXX correct, to which he responded the one and only.. However I am aware he was going by XXXX XXXX in emails. 

He took my money and is not returning it
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (MO)

We closed on our loan with AFN on XXXX XXXX, 2023 and the 1st payment was due on XX/XX/XXXX. On XX/XX/XXXX, we received an email from our home insurance company that they received notice to change the loan servicer to XXXX XXXX Prior to this email from our insurance company, we were not notified that our loan had been transferred as required by law. 

When I called AFN on XX/XX/XXXX, I was told that it was transferred to XXXX XXXX Mortgage and given a Loan Number ( but still was not given a transfer date or copy of letter ). XXXX XXXX XXXX  disputes that they purchased this loan. I spoke to our insurance company again and they confirmed that they received notification from AFN that it was transferred to XXXX XXXX ( I have a copy of that letter ). XXXX Mortgage also disputes that they purchased this loan. I spoke to XXXX XXXX on XX/XX/XXXX & XXXX, and their records indicate that it was transferred to XXXX XXXX XXXX XXXX. 

I spoke to AFN again on XX/XX/XXXX and finally gave me a Transfer Date of XX/XX/XXXX and was told a letter was mailed on XX/XX/XXXX ( we never received ). I requested a copy of the original letter with the XX/XX/XXXX mailing and was emailed a copy showing a date of XX/XX/XXXX ( same day I requested ). 

Our payment is still showing a Due Date of XX/XX/2023 but all parties have told me not to send payment as they have no record of holding the loan. I still have no clue who the actual loan servicer is since everyone has given us a different company and nobody has record of servicing the loan!!
Consumer complaint received 2021-07-28
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: ONLINE Information Services, Inc. (GA)

On XX/XX/2019 Online Information Services added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Online Information Services, however they remained negligent and did not respond or delete the unverified account from my credit report.
Consumer complaint received 2023-06-22
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. (IL)

I have XXXX fraudulent charges. 

XXXX ) XXXX XXXX credit card : A charge in the amount of {$570.00} was made on my XXXX XXXX card at their XXXX, IL store. I notified XXXX XXXX on XX/XX/23 and received a letter dated XX/XX/23 via email concerning the fraudulent charge. The letter states an investigation is ongoing and will be notified in writing of the results. XXXX  IL is about XXXX miles from my home in XXXX, IL and I have never visited this location. I closed the account on XX/XX/23. 

XXXX ) I pulled up my credit history via XXXX credit services on XX/XX/23 and noticed a charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00}. They advised the account was opened on XX/XX/23 but could not tell me where the charge was made. They do not have an open account with my name associated with an account. I cancelled the so called account with charges and advised they are fraudulent on XX/XX/23. They will send me a letter and I asked their their fraud protection personnel call me to discuss where the charges were made.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

Self Financial *** is in clear violation of the law for contacting a third party or credit reporting agency with my nonpublic personal information without my written authorization in a consumer agreement to report such information to a third party as per 15USC 1681 ( B ). They were sent a notice of their violation by me on ( XXXX ) in which, I included below. I received a copy of my Credit Report and noticed 2 LATE PAYMENTS on a secured card account XXXX furnished to my XXXX and XXXX credit reports on ( XX/XX/XXXX & XX/XX/XXXX ) and 1 Paid & closed update on XX/XX/XXXX. According to 15USC 1666 ( b ) creditors can not report a LATE PAYMENT unless they mailed a notice received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late transaction was reported. Self Financial *** is unable to provide each statement sent out 21 days before each late transaction was furnished, along with the consumer agreement, where I gave them written authorization to take such action. According to 15 USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT states how LATE TRANSACTIONS are illegal and excluded from my consumer report which means any transactional history to any person, LATE OR NOT, is not supposed to be furnished, for it is nonpublic information that doesnt get reported. Their violations of Congress and my consumer rights demand removal of both late accounts they furnished to the third parties or consumer reporting agencies XXXX and XXXX.
Consumer complaint received 2022-11-01
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-24
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)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$1500.00}.