davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL RESOURCE MANAGEMENT, INC. (NY)

I filed a dispute to XXXX  regarding ambulatory service charges of {$1400.00} through XXXX XXXX. My insurance info was given many times so i am not sure why this account is in collections. When i filed a dispute it took very long for them to give an answer and i had to dig for the answer ( re file a dispute gave me my answer that XXXX  did nothing ). XXXX  never reached out to me or emailed me to tell me they had an answer. This info is incorrect and should not be in collections. This battered my credit score.
Consumer complaint received 2023-01-17
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. (FL)

DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.
Consumer complaint received 2020-03-12
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: NAVY FEDERAL CREDIT UNION (OH)

NAVY FEDERAL MARKED MY ACCOUNT AS 30 DAYS LATE. I HAVE NEVER HAD A LATE PAYMENT WITH THEM IN ALL THE YEARS I HAVE HAD THE ACCOUNT. I MADE MY PAYMENT ON XX/XX/2019. XX/XX/XXXX WAS A SATURDAY AND MONDAY WAS XXXX XXXX. NAVY FEDERAL DID NOT POST MY PAYMENT UNTIL TUESDAY XX/XX/XXXX WHEN I MADE MY PAYMENT BEFORE XXXX ON SATURDAY XX/XX/XXXX. I HAVE CONTACTED NAVY FEDERAL SEVERAL TIMES BY PHONE AND I WAS ADVISED TO DISPUTE IT WITH THE CREDIT BUREAUS. I HAVE CONTACTED THE 3 CREDIT BUREAUS BY PHONE AND MAIL AND THIS ISSUE HAS NOT BEEN RESOLVED. I WANT THIS LATE PAYMENT REMOVED FROM MY CREDIT IMMEDIATELY AS I WAS NOT 30 DAYS LATE.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b
Consumer complaint received 2021-03-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-05-17
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 (GA)

IRP Registration Services Toll Free Number : ( XXXX ) XXXX Email : XXXX Website : XXXX : XXXX This company misrepresented itself as the IRP office for the State of Georgia offering to register my tractor. I was preoccupied due to death in my family and gave them my credit card info. When I realized it was not the State. I had Capitalone reverse for the charge. Capitaone then reinstated a charge for services I did not receive.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (HI)

My Target Red Card monthly credit card payment was due on Sunday XX/XX/XXXX. On XX/XX/XXXX, Target charged me a late fee of {$29.00}. I confirmed with my Bank that at my instructions, they sent an electronic payment transfer to Target on Friday XX/XX/XXXX. My bank informed me, that just about every transfer sent by this method will be received by Target on Friday. 
I called Target Red card service at about XXXX XXXX CDT on Monday. A very polite agent named XXXX, informed me that Target had not received or posted my payment as of that time. She credited my account for the {$29.00} late fee based on my relations with Target. However she insisted that Target was not responsible because they did not receive the payment. 

It seems to me and I hope you will investigate, Target has set up a system that has the customer pay, when their system does not work. I needed to spend my time, given Covid, I do have plenty of time, to inquire about their shortcomings. This is extra fee, Target imposes on busy people and families. 

I request that you investigate to see if Target has a pattern or practice of making the customer pay for their mistakes. Hopefully, it is just me that had a bad experience with Target.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

I received a letter from CCS ( Credit Collection Services ) stating I owed a debt in the amount of {$1900.00}. The letter instructed me to go to their website and submit the dispute form if I required the debt to be validated. I did this on two separate occasions. I never received any response from them. They went ahead and reported the debt to the credit bureaus. I called CCC on XX/XX/24 at XXXXXXXX XXXX. to discuss the debt. The customer service representative informed me that they did receive my request for validation and made a note on the account that I disputed it but that they were not required to do anything further. She informed me they did not look into the debt further and would not be doing so.
Consumer complaint received 2021-03-15
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. (MD)

I just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.
Consumer complaint received 2020-03-12
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. (GA)

On XX/XX/2020 I sent dispute letters to TransUnion, XXXX, and XXXX  because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over 30 days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.
Consumer complaint received 2021-03-15
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. (AL)

Transunion is still reporting an account wrong on my credit report after I have disputed it multiple times. The account for child support with the AL Dept of Human Resources is wrong on my report. There are several things wrong. The payment history is incomplete and inaccurate. The date of 1st delinquency is inaccurate. The last payment date and the last active date are both inaccurate. ALSO, there is no comment showing that the account was ever in dispute. This is a violation. I disputed the account several times and it is not showing this.
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NRA Group, LLC (IN)

Hello, XXXX XXXX added an account to my credit report of {$720.00} for a phone in which I have never had. Back in XX/XX/2019 when I was XXXX XXXX XXXX, I went into XXXX XXXX to purchase a new phone as a new customer with their company. The XXXX representative in the store tried setting me up for an XXXX XXXX  that was yellow and tried transferring my old telephone number over from XXXX XXXX. He tried on three different yellow XXXX and failed each time resulting in him giving me a totally new number connected to a brand new blue XXXX XXXX. XXXX is now sending me a bill for the yellow XXXX   when I have never even had this phone since the employee said that the yellow phones wouldnt work ( burner phones ). They now have an account linked to my name on my report for the burner phone and I would like the situation fixed. I received a bill in the mail for the burner phone but XXXX and XXXX XXXX claims they dont see anything on their ends.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I have a loan with UWM loan # XXXX. I never received the first payment mortgage coupon so I mailed in the first payment coupon received in the loan documents with a paper check. If I sent in an electronic check from online banking I could not attach the payment coupon, then the payment was never cashed so I called the bank and they could not find the loan with the loan number I had, so I called my account representative who told me she gets a list of everyone that's late on a mortgage, if my payment wasn't received I would be on the list. Again XXXX, sent an online banking checking with same account number as they still showed not record when I called in and my XXXX confirmed, if they didn't have the payment it would be on the list. Then late XXXX I receive a call that a payment is late, it's electronic recording and doesn't mention a loan number. I call again and finally now they can find my loan and said they haven't received payment for XXXX or XXXX. I explain to them the situation and they basically tell me they haven't received either payment, finally XX/XX/XXXX after sending in all the proof the XXXX payment was made they Found it and marked it as received but still late. I did everything correctly and they are giving me a 60 day late because of their problems with the system.
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NJ)

Ed Financial has two different amounts listed on my credit report and have them both reported as open. One loan is XXXX and the other is XXXX. The updated their system and moved my loans over to their new system but reporting on my credit report as if I owe over XXXX in student loans. This is incorrect and affecting y credit report and score.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

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 Account # 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 12 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-03-11
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: LEXISNEXIS (NC)

On XXXX I requested XXXX  to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XXXX XXXX  completed their dispute process & advised that the public record was verified via Lexisnexis as being mine & dated XXXX as the verification date. I have a letter from Lexisnexis that my consumer report was frozen on XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. XXXX has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via LexisNexis on XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.
Consumer complaint received 2020-03-11
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. (FL)

My complaint is about my XXXX Credit Card from XXXX XXXX XXXX XXXX. I opened the account XX/XX/XXXX and made my payments on time, it is still open till today. I found out they reported my account as 30 days late for XX/XX/XXXX, which i discovered in XXXX of XXXX, when i was in the process of getting a mortgage, this was corrected and changed in XXXX. I just found out they have put this 30 day late payment back on my credit, which has now affected my credit score. My account has open for 3 years and 3 months. 

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$260.00} {$300.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$40.00} Late payments XXXX XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : 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 opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX : I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Consumer complaint received 2023-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Auto Sales Inc. (SC)

ACCORDING TO MY CREDIT REPORTS I HAVE XXXX CHARGE OFF ACCOUNTS REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. AUTO DEALERS HAVE ALREADY BEEN FILED ON THEIR TAXES SO WHY ARE THESE COMPANIES STILL REPORTING THIS ON MY CONSUMER REPORT.CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED AND DELETED. THIS IS A VIOLATION OF 15 USC 1681eb
Consumer complaint received 2020-03-12
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. (TX)

I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.
Consumer complaint received 2020-03-12
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: VEROS CREDIT, LLC. (CA)

After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
Consumer complaint received 2023-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

This has been ongoing since XXXX of 2022. We filed one complaint, thought it was being fixed, only to find out LoanCare has been doing everything they said they wouldn't. It needs to be reopened. We have the letters to prove it. We are assuming this is all retaliation because we filed a complaint with you and asked for LoanCare to be investigated. There is no other reason for it. Now LoanCare has charged us another late fee, sent XXXX another payment without knowledge or permission when the letter we received from LoanCare said this would not happen again which has again wiped out our Escrow account again, has our account as delinquent, and has this so messed up it is beyond understanding. I guess it is time to go to the media and also get an attorney. 
XXXX shows our account is already paid in full. LoanCare does as well but refuses to acknowledge it. XXXX sent the payment back to LoanCare as it indicated on the refund payment to LoanCare it was supposed to go to our Escrow account. They are just issuing payments illegally out of our account. When we call, we can not get anyone to talk to us. When we email, it gets kicked back saying the email doesn't work or our information shows that it wasn't processed. None of their links or emails work. Again, we have never been late and all of these apologies from LoanCare are just to make the case look good for the VA and the CFB. Yet they are showing we have only made one payment all year which is not true. We have always paid early. We have our bank statements to prove it. LoanCare needs to be investigated for all these illegal practices.
Consumer complaint received 2020-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just received an alert on my true identity-transunion credit report that 2 hard inquires were made by XXXX/XXXX  and XXXX  /XXXX. I did not apply for any credit cards or anything thru XXXX  or XXXX  XXXX. I just froze my transunion credit report. I do I get these hard copy requests removed. Thanks
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late payments in questions are associated with the following account - I request closed accounts to be removed Account name : 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 opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX : I wish to emphasize my committed to fair and accurate credit reporting these late payments have had a significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NY)

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 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 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 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.