davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
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 (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-08
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX TOYOTA MTR XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (NJ)

The No Surprises Act and the Fair Debt Collection Practices Act both have been violated by Medical Revenue Services collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for collecting a prohibited medical bill that is also in violation to the No Surprises Act. The medical bill of {$2300.00} has derived from a sudden emergent medical illness, which was charged by an out-of-work provider for emergent medical attention. In addition, I was deemed XXXX by the XXXX at the time of this sudden emergent medical illness.
Consumer complaint received 2018-03-05
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)

Equifax is continuing to report fraudulent accounts on my credit. I have communicated with Equifax, XXXX and XXXX for over a year. I have disputed and communicated within my rights to have these accounts removed from my credit reports. XXXX  and XXXX  have complied with my request to block and remove items that do not belong to me, per section 605B of the Fair Credit Reporting Act, which details the credit bureaus responsibility to block fraudulent information on my credit report resulting from identity theft. All required documentation was submitted and Equifax has handled my certified mailed documents as if they were a normal dispute. 
On XX/XX/2018 I spoke with a fraud department manager, XXXX in regards to my concerns in how they have handled my file. Only one account was removed and he stated that this was due to the creditor stating to remove the account. I questioned the manner in which they were handling my case and he stated that they have to present my information to the creditors and wait for them to 'electronically verify ' my account. By law, a document bearing my signature has to be on file to validate the accounts and neither the creditors or Equifax have a copy of these alleged documents.I was told by XXXX that an electronic verification is all that they need. This is not legal and I want these fraudulent accounts removed from my credit file immediately. I am prepared to take the next level of suing Equifax for not complying with the law and misrepresentation of my credit profile.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WY)

I have had Federally supported freezes set up on all 3 major  credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to call in or log into my Experian account to control Federal freezes. When I try to log in it tells me my log in information is incorrect. When I try to fix the username and/or password the reset emails it says it is sending to my valid email account on record never arrive. I have no problems receiving test emails to that address from other accounts so the problem is on Experian 's end. When I call in, the automated phone system simply dumps me out of the call no matter which avenue I pick to try and get live help. I have tried half a dozen Experian numbers as well including their business support who did answer but said she could not help with a consumer issue and gave me a number that simply sent me through the same automated nightmare and dumped me out. Without either phone or online help I am unable to find and fix problems or file a dispute.
Consumer complaint received 2020-01-15
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)

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3.  Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Consumer complaint received 2020-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

I just found out that there is a collection on my credit report that was reported in XXXX for an old ambulance bill from XXXX with according to my credit report is XXXX XXXX XXXX. That bill was disputed way back in XXXX as to the amount owed and who should have paid it at which time was my medical insurance. To my knowledge this was settled between the two companies and I was not contacted again. 
This was suppose to have been settled and over with way back then. at the time of them opening this account, I had not received any communication from Commonwealth financial system as to dispute anything and should have because I don't owe them and now I find out when I had my credit pull that this is a recent collection and has severely damaged my credit score. I did receive a letter the last of XXXX from this company noting that I owed a XXXX XXXX XXXX  XXXX someone who had purchased the account from the original creditor but the couldn't have because the acct was again to my knowledge taken care of after a dispute back in XXXX and I was no longer contacted my XXXX XXXX XXXX. a the bottom of this letter it says that because of the age of the debt I could no longer be sued for the debt. I know that under the Hippa Law my information should not have been shared, and under the fair credit reporting act this debt from Common Wealth should not have been reported by them as I don't owe them. Georgia statue of limitations is 4 years and In 2016, Congress passed the Medical Debt Relief Act, introduced by Senator XXXX XXXX  ( D-OR ), which is an amendment to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ). If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days. this company also entered the debt under another account number but has the old account number listed. ( is that legal? ) I need help with this please and I want them to validate the debt, as well as take it off my credit report asap until a resolution is accomplished.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NC)

I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.
Consumer complaint received 2023-12-30
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Balance : {$6100.00}.
Consumer complaint received 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I paid 3 different payments on the student loans in question before they showed delinquent, which kept the account current and now has dropped my credit score by XXXX points and will prevent me from obtaining a loan for buying a home as well as I have started classes, so there should be no credit reporting during this time.
Consumer complaint received 2020-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In 2006, I owned an acre of land with the legal description ( XXXX   XXXX XXXX XXXX ) and on this acre of land, there were 3 mobile homes, 1 belonged to me and it was financed through, XXXX XXXX, the other 2 mobiles belonged to other individuals. I approached Wells Fargo to refinance my mobile with the mailing address of XXXX XXXX XXXX. Wells Fargo sent an appraiser out to appraise my home and he took pictures that clearly show other mobiles on my land, and when Wells Fargo made me the loan, they insisted that my mobile be changed from personal property to real property and that the acre of land be financed into my loan and they had knowledge of these other mobiles on my acre of land, but they never questioned me about those mobiles or questioned the ownership of those mobiles in their loan process. Wells Fargo made me the loan and they processed all the documents with XXXX County Courts, and they placed a lien against my land and mobile, with the legal description as, XXXX XXXX XXXX XXXX. Now Wells Fargo has responded to my previous complaint, says that their appraisal was done on XXXX XXXX XXXX, XXXX XXXX, Texas and no consideration was placed on my acre of land to process this loan, even though their on documents shown the legal description as XXXX XXXX. If I default on this loan what happens to the people who own the other 2 mobiles on my property? I feel that this was an improper or predatory loan and now I have tried to refinance my loan with other mortgage lenders they refuse to consider making a loan to me, because there are multiple mobiles on my land, therefore I am locked into this loan with an extremely high interest rate for ever and I feel that Wells Fargo made this loan knowing that I would be locked into it and no no other options to refinance in the future.The high interest rate on this loan has caused me serious financial stress and emotional stress over the last 13 years and Wells Fargo refuses to do anything to help me in these matters, they are allowed to do a self investigation of all my complaints and as you would expect from any large corporation, their responses are always, that they did nothing wrong and that I signed the loan documents, so therefor it was my fault and not theirs, even though I am a high school drop out with no legal knowledge and their are the ones who had all the knowledge of the lending laws and they had ever opportunity to survey my property and they could have denied my request for this loan and I would not be in this mess today.
Consumer complaint received 2018-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted these companies about the credit inquiries on my report ask them to send me something with my signature or proof I have them permission to run my credit. They still have not sent any information to me. Also I disputed with all three credit bureaus and inquires are still on my report XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (CA)

On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.
Consumer complaint received 2023-01-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Exeter Finance, LLC. (CA)

The car was deemed total loss and being taken care of by XXXX. Exeter finance then contacted my employer and gave them personal information. I called the company previously and asked them to not contact my employer in regards to my personal auto loan.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

The information the are reporting is old and not correct. They investigated and was not able to provide accurate information. I want this deleted as its affecting my credit report and score. This was a jet ski account that they sent me the title too and I sold and they are showing I still owe money. I want this account deleted as if I owed them money I would have never got the title to the vehicle. Every time they give me a different amount that I owe and was deleted off one credit bureau not the other ones. Please delete the account from my report
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX DEPT OF ED/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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

Cash net keep saying that I owed them XXXX dollars and they said the account was on XX/XX/2018 and I told them I did not get no loan from them and they still calling me and harassing me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 XXXXXXXX has violated my rights. 


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.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

upon checking my credit report today I learned that this company LVNV Funding LLC has placed two collection accounts on my credit report that are not mine and were previously removed from my credit report by XXXX due to identity theft 3 years ago. I am assuming LVNV just purchased this debt from the creditor and was unaware that this debt was removed prior to their purchase of this debt due to identity theft. I was never contacted nor given the right or time to respond to verify or dispute the validity of this debt.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2023 I sent out a dispute letter to Transunion disputing multiple items that I had discovered on my credit report to be inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law, the credit bureau has 30 days to complete this investigation which they have failed to do so.
Consumer complaint received 2022-11-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.