davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-29
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. (NY)

Transunion continues to share my credit report without written permission from me and this is continually bringing down my score. 

Below are the dates that inquiries were made without my consent and from the credit source. I request all these inquires be removed and my credit report updated : 1. XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX CREDIT  PULLED ON XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CREDIT PULLED ON XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX CREDIT PULLED XX/XX/XXXX 4. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX XXXX CREDIT PULLED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX CREDIT PULLED ON XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX XXXX : {$310.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX XXXX want to state that I've been a victim of credit card fraud and identity theft. this all started on Thursday XX/XX/2020 i received a call from individuals acting has both social security and FBI agents. they had knowledge of my personal information and due to that they got a hold of my accounts. the calls lasted till Monday XX/XX/XXXX of 2020 and they took {$28000.00} of my credit accounts and from my saving accounts {$10000.00} this is from both my banks accounts. I bank with both bank of America and XXXX XXXX. I have made claims to both my banks. Also, I have contacted my local authority and had made police reports. i will be contacting both the social security services and the FBI.
Consumer complaint received 2020-12-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( I had to find the company name myself as it was not indicated anywhere on the letter ). I spoke to the representative who after asking some questions said I was eligible for student loan consolidation which I knew existed but hadn't got around to researching. After stating that I was eligible, the rep told me there would be a {$790.00} processing fee. Because I would be saving over {$5000.00} in the long run with the program, I wasn't worried about paying the fee initially. 

Today ( XX/XX/XXXX ), they were supposed to take {$39.00} from my account, and continue to do this for the next 20 years yet I did not see a charge. I then decided to do some XXXX  since none of this felt right and found out that loan consolidation is free! There were also forums upon forums of people who have fallen for this scam and urging to stay clear. I have since called to cancel all of my future payments and asked for a refund but was refused due to them 'providing me a service '' but to me NO service has been provided as my loans have not been consolidated and the payments were for them to prepare documents - basically the same documents available on the FAFSA website. I unfortunately signed their online " contract '' and returned the copy they emailed and had me print out and they took the money afterwards. One rep also said that they are affiliated with the Dept. of Education, but when asking for a refund the other rep says that they are not. 

They refused me a refund and stated that they can put my file under review but that I would most likely not get my money back because I did not cancel in their 3 day grace period. I have now opened up a dispute with my bank for the initial payment of {$790.00}, and am trying to change my account to prevent any sort of future charges ( even though I cancelled ) because I do not trust them. I will wait to see what both they and my bank says but wanted to file a complaint anywhere I can because this company should be looked into!
Consumer complaint received 2020-12-29
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. (CO)

The first payment on a {$22000.00} used XXXX pickup truck to XXXX XXXX XXXX was on XXXX XXXX. 
The XXXX was paid off in full on XXXX XXXX ( XXXX, XXXX early ) out of a 66 month agreement contract. 
I continued making timely monthly payments of {$400.00} per month after the first XX/XX/XXXX initial payment On XX/XX/XXXX a chapter XXXX Bankruptcy ( I initiated ) was discharged in my name. 
I continued ( missing no payments XXXX through XX/XX/XXXX when said vehicle was Paid in full to XXXX XXXX XXXX. 
I have asked XXXX XXXX XXXX several times to please report to the three Credit Reporting Agencies the vehicle is paid in full and that the XXXX account is closed. 
XXXX has refused to do this ( they have told me because there was a Bankruptcy they would not report it to the 3 Bureau 's ). 
XXXX XXXX XXXX was not damaged in any way, I never missed a payment and the vehicle was paid off in full over two years early. 
For XXXX to adversely impede my credit score by not reporting that the account has been paid in full serves no purpose, especially since they were not damaged by my Bankruptcy, they were paid off 2 years early and there were 19 months of timely payments made prior to the XXXX Bankruptcy. 
I am XXXX years old and in need of a place to live, I am told I need a credit score of at least XXXX to rent an apartment or buy a house, I currently have a credit score of XXXX. 
If XXXX XXXX XXXX reported to The three Credit reporting Agencies that the XXXX account is closed and paid in full, it will will mean the difference in getting a place to live or not. 
I am sending along with this complaint a copy of the payment history, Sincerely email :
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (OH)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 : XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2020-12-29
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. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
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. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-03-01
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Un-authorized inquiries XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Financial Corp (UT)

Security National Mortgage is reporting inaccurately on my credit report. This account was transferred to XXXX  XXXX and I have been paying my dues with XXXX  XXXX on time every month. Not once did I ever need to pay Security National because it was transferred Immediately. Well recently I checked my credit and noticed that Security National Mortgage was reporting me late and still had this account open?!? I received a letter from Security National that my account was closed and sold to XXXX  XXXX so why is it reporting lates and a balance? This is a violation and needs to be removed immediately.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I'm filing this complaint, because I have tried to avail to have Capital One Auto Financing to stop reporting my account information concerning this debt, this debt begin in XXXX and they informed me they will continue to report until XXXX. According to CFPB a negative debt can be reported from the first day/month of delinquency for 7 years, my first delinquent payment was in XXXX and its now XXXX. Capital changed the acct status to closed also. I would like for them to stop reporting a debt that is beyond the statue of limitations. 
In XX/XX/XXXX I reached out to Capital One Auto Financing concerning a car I purchased in XX/XX/XXXX. Due to medical issues the payments begin to fall behind in XX/XX/XXXX and remained 60 to 90 days past due the remainder of the loan. In XX/XX/XXXX I called Capital One Auto Financing and settled the account for less than amount due, then My credit report with all 3 major credit reporting agencies reflected payment after charge off.now it reflects closed as of XX/XX/XXXX and this acct is more than 10yrs and 10 months old, I received a letter from Capital one on XXXX XXXX concerning the accuracy of their reporting to credit bureau which I will enclose. 

Thank You for Your Help.
Consumer complaint received 2022-01-26
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. (FL)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 62XXXX ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.
Consumer complaint received 2020-12-29
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. (OH)

I previously submitted a police report and FTC report for identity theft. The accounts listed below are still reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern : On XX/XX/XXXX, I went on line on the Experian website to check my credit score. I did see that my FICO score dropped 13 points at once. So I went to the Review new Data to find out what did happen for such a drop down of my Score, I read : '' We found no New items on your report in the last 60 days, no new public records, late payments, accounts, or inquiries have been added to your Experian Credit Report ''. Further down They mentioned that my credit usage is 19 % which is very good, but my credit snapshot Boosted XXXX to XXXX with a drop of 13 points. I said that is a mistake, if the credit got boosted it should go up not down. On XX/XX/XXXX, I called Experian to report the problem, a customer care named XXXX ( Reference claim # XXXX ), said that what ever I saw on my report it is accurate and that they can not do anything about it. I believe that they have to do something about it. Because I know how hard that I have been working to rebuild my credit that has been messed up after I lost my job in 2017. Now that my credit gets to a FAIR statute, I am not going to let Experian bring it back to trash. They must give the reason why they decided to lower my score. If my credit gets boosted it definitely should go up not down. I do count on the Consumer Financial Protection Bureau to see through with my situation, how unfair my credit report has been treated by Experian Credit Bureau. Lastly the only thing that comes into my mind is that Experian has offered me a Credit Protection & Monitoring coverage for {$24.00}, I just took the {$4.00} coverage which they automatically charge my account every month, I don't want to believe that they would lower my Score to force me to take the most expensive coverage which I can not afford. Best Regards
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America wrongfully denied a claim about services not rendered and removed a credit of XXXX dollars without warning, it led to a long chain of repeated overdrafts and hardship during this pandemic. They then applied three different overdraft charges for the same transaction
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2020 FOR MY WELLS FARGO MORTGAGE ACCOUNT. I'VE BEEN OVERWHELMED WITH MY PERSONAL LIFE WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND MY FIRST LATE PAYMENT, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.