davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

In XXXX of XXXX, A bad debt for collection was posted on my XXXX Credit Report. I was unaware of this until I received a phone call from the Attorney 's Off. XXXX XXXX, XXXX. on behalf of Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al. XXXX, XXXX, early in XXXX, XXXX. They informed me of a certified collection letter for {$600.00} was being mailed and I needed to pay this bill. 
Immediately my husband and I began calling Charter Communications Services, regarding this unpaid bill. Charter 's Attorneys researched this unpaid bill and found that all of our accounts had been paid in full as of XX/XX/XXXX. I reported this to XXXX and they began an investigation.. In checking my credit report XXXX, I discovered this bad debt was still on my credit report. I started another fraud investigation with XXXX and received a final report dated XXXX stating the investigation was completed and the disputed item for Amsher Collection Services # XXXX, HAS BEEN REMOVED FROM MY CREDIT REPORT, with XXXX Credit Bureau XXXX Just 2 days after receiving this report, I received another phone call from XXXX XXXX, Attorney 's office trying to collect this disputed debt. What am I supposed to do???
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I was targeted by an auto loan lender XXXXXXXX XXXX with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach XXXX. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, XXXXXXXX XXXX was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TN)

I received a call from XXXXXXXX XXXX, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. 
I get another call from XXXX XXXX from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

American Express Settlement amount was {$8400.00} Paid in less than {$1500.00} received letter from American Express if I pay {$48.00} it will be full and final paid of last {$1500.00}. 

I paid full an final demand via cashiers check. 
American Express started collecting and started harassment after full and final paid as per request. 
My credit has been destroyed.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm here again to ask for the removal of late dates and changing the status of disputed account to closed/never late from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
ALL ACCOUNTS ARE HIGHLIGHTED IN CREDIT REPORT SUPPLIED IN ATTACHMENTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall n
ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX  XXXX  XXXX is not i XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a late payment on XXXXXXXX XXXX. It's not being removed. I had it on automatic payments and I still got a late payment. I have great credit. This should not be there.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MD)

When I was in XX/XX/11 XXXX online consumption met a fraud, after paid {$490.00}, the person disappeared immediately, I realized that the wrong, immediately contact citibank customer service asked to cancel the transaction, and the next day I went to the branch and confirm my appeal, this transaction pending 2 days status, but two days later the bank still completed the transfer. Few days later, the bank refund me my money, around 10 days, the bank took the money again.In my opinion, I contacted the customer service within half an hour after being cheated and repeatedly confirmed that I had done everything I could. However, the bank made me extremely disappointed. Instead of helping me, it doubled my sadness.
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc. (OH)

We have responded to XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, OH XXXX ) twice explaining we have switched garbage collection and that we have paid for the services we received from them. We simply do not owe them anything. They have turned us over to Coast to Coast FinancialXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I applied for a loan, refinance with XXXX on XX/XX/2019, and was denied credit on XX/XX/2019 because Experian reported that i had no credit, code XXXX. I went to freecredipt report and got all there credit reports, all were fine. I opened an account with Experian to view my credit score and my account showed the same thing, no recent credit activity. I went to dispute my account and that is where the problem began. I followed the link to disputes, but there is no way to dispute a problem with my account because of Experian 's, i guess with their software, causing it not to use my credit information that they have. My credit report from Experian is fine. it shows 49 account with all of my credit activity. I called them regarding this issue and was transferred back and forth form disputes to membership six time. Experian 's reps kept telling me that I have no credit activity to generate a credit score. I explained that I just generated a credit report from Experian that showed my accounts and activity, the system they were using on their end did not generate the same report. they kept telling me I had no accounts or activity. I was on the phone with Experian for 2 hours, finally asking for a supervisor. Experian finally understood that the problem was on their end. Experian forwarded the issue to the fixing department and said it should be fixed within five business days. My biggest issues is. there is no was to raise issues on Experian 's website to raise questions about how they, Experian, wrongly report credit like they wrongly reported mine. I didn't see any drop down question at this website, CFPB, either. I guess my problem is not common but Experian 's wrongly using my credit activity and accounts, through their system, caused an adverse credit report and credit denial. Another issue with Experian is their customer service agents are not trained on the issue that affected my credit, believing their system could not be wrong. I think the five business days to correct this problem is also excessive. Experian should be able to immediately fix the problem where their system is the cause.
Consumer complaint received 2022-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (SC)

I have been told I am behind on my mortgage, when this a stem from mortgage company over payment of taxes. I had city officials readjust taxes. I email copy as advised. This start in XXXX XXXX. Have spoke with supervisor for the company advising issue was corrected mid XX/XX/XXXX. Only to now be told XX/XX/XXXX I was XXXX payments behind after making XXXX and XXXX payment on XX/XX/XXXX. I get a rep that tells me on XX/XX/XXXX I am correct I do not have any behind payment owed. Loan Depot is the worst company to deal with.
Consumer complaint received 2020-12-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (LA)

TELERECOVERY COLLECTION/CHARGEOFF $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, LA XXXX XXXX XXXX ) XXXX This collection agency claims that I owe {$170.00} for a doctor visit that was canceled. They are trying to collect for a service that was never given. All previous appointments were paid in cash with receipts. This was not a lender but a doctor visit. The company would not return my calls about the matter and did not respond to my written letter. This is affecting my credit and they have yet to provide specifics so that I can prove it was paid. I DO NOT OWE THIS DEBT. Please tell me how to remove this from my credit info. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I have disputed several times to equifax and my mortgage lender that my mortgage was paid on time but not reported as so on my credit report they have XXXX and XXXX as no information when in fact they have the information. My mortgage lender stop reporting my payments when I told them I was refinancing and getting away from them soon as I have XXXX on time payments. After I notified them of my intention of leaving them they stopped reporting my payments.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WA)

I do not remember the exact dates it has been years, I originally did have an account with XXXX, but they forced me to keep me account open against my request and the bill continued to go higher even though it should have never been allowed to go beyond 1 single period. So everything is inflated and incorrect! I am being bullied.
Consumer complaint received 2022-04-18
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 — Problem with personal statement of dispute
Company: Avant Holding Company, Inc. (IL)

My line of work ( non-profit ) was affected by COVID-19 in XXXX of XXXX. Thus, on XX/XX/XXXX, I missed a payment of {$25.00} to Avant Credit. I also, missed paying the recurring amount plus interest from XXXX. 

On XX/XX/XXXX, I started a payment plan to pay off {$110.00} by XX/XX/XXXX to bring my account into current status. By XX/XX/XXXX, I paid off this amount and my account was back in current status. 

Because the late payments ( from XXXX, XXXX, XXXX, XXXX, and XXXX ) reconciled by the payment plan mentioned above, ending on XX/XX/XXXX, I started a request to Avant two weeks ago asking them if they could remove the late payments from XXXX from my profile, as I've had other credit card companies do ( bigger than Avant ) and it was done without hassle. On XX/XX/XXXX, they responded to my request saying that they would not remove the late payments that occurred during and because of COVID-19/XXXX. 

XXXX was a horrible year for a lot of us, outside of these four months of late payments, I had no late payments starting back from XXXX. And since XXXX, I've had no late payments. I would greatly appreciate if these late payments were removed with the grace that lots of companies and this country has given its constituents because they care. Avant claims to care for its customers, but currently I'm not experiencing that.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

We had an automatic payment scheduled in the amount of ~ {$62.00}. In XXXX, failed to execute the payment. We found out 2 months later, and after explaining what had happened they did not help. A phone call on XX/XX/XXXX with customer support, they confirmed there was an internal problem on their end. We filed a complaint and requested a correction and they said they do not perform curtesy corrections to the credit bureaus. We have been paying our accounts on time for years with XXXX. This same thing happened in XXXX and the same result. Now this effected our credit and we want this fixed.
Consumer complaint received 2021-02-19
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. (AL)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These accounts are fraudulent and unverifiable. 

ACCOUNT : XXXX XXXX XXXX XXXX {$6700.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX  These accounts are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2020-12-24
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: LAKEVIEW LOAN SERVICING, LLC (FL)

I purchased a home ( V A Housing certificate ( no money down ) in XX/XX/2018. My payments were auto pay for mortgage company to get the payments. After four or five payments Lakeview began to take another payment the third week of the same month. I did call them and they could not say why the second payment was taken. So I made them put it back. After going through this several times I had to close my bank account.. My bank opened a new account and they are making my payments for me.. Lakeview put lies on my credit report stating my payments are late and I missed payments too .I reported them and the lies were removed from my report. I tried to reduce the interest rate on the loan again this year.. Lakeview lies are back on my credit report AGAIN! They told me they are going to leave the lies on my credit report. How can I stop this? My interest rate is 5.2 %. This is against the law to lie on me just to keep the account. My bank statements show my payments are on time, and paid in full.by my bank every month. I am being lied on and blocked by Lakeview Loancare Servicing, LLC..
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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