davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (TX)

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

I sent disputed to XXXX, Equifax 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 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 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 futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-09-03
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. (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (PA)

Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-02-11
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: AVANTE (TX)

AVANTE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-02-10
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. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via XXXX certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?
Consumer complaint received 2019-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been denied credit several times. I received my credit report from the 3 credit  reporting agencies nothing negative on any report. I contacted XXXX XXXX they said TransUnion gave me a bad credit score. I contacted TransUnion by phone told to have XXXX XXXX call them. I wrote to TransUnion and XXXX XXXX several times. I only receive a copy of my credit report each time from Trans Union I also sent a copy of my credit score XXXX from credit wise. 
Know one will give me a reason why I can not get credit.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Over the past years, I have experienced significant financial hardship that severely impacted my ability to meet my financial obligations, including payments on my credit card account with Capital One. This hardship stemmed from loss of employment, medical expenses, and family emergencies. These unforeseen challenges resulted in a drastic reduction in my income and an inability to cover essential expenses, let alone meet my credit card payments on time. As a consequence, I regrettably fell behind on my credit card payments, leading to the accumulation of late payments on my account. Despite my best efforts to manage the situation, the financial strain proved overwhelming, and I found myself unable to rectify the delinquency within the usual timeframe.I understand the importance of fulfilling financial obligations and maintaining a positive credit history, but circumstances beyond my control significantly impeded my ability to do so during this challenging period. I am actively seeking solutions to address my financial situation and rectify the delinquency on my credit card account.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

I had a credit card account with XXXXSynchrony bank  . I had a past due amount of {$89.00}. I forgot to make my payment so they constantly called me. When they couldn't reach me they got my neighbors at # XXXX XXXX XXXX ( XXXX and XXXX XXXX ) to steal my packages from XXXXXXXX XXXX. They contacted XXXX 's and told them to deny any purchases I attempt to make at the store and to force me to call Customer Protection to verify my phone number. While speaking with Customer Service at XXXXXXXX XXXX the representative asked me to verify my phone number, whether I had a cell phone or landline and if she could call me back on the number. I have shopped several times via their website and have never had to verify my phone number. 
My account balance at XXXX is {$0.00}. XXXXSynchrony bank have engaged in several illegal tactics to collect their debt. From getting drivers to lie and to spy on me. In addition, my balance was {$270.00} on XX/XX/2022. They are charging me a {$40.00} fee for the late payment.
Consumer complaint received 2019-12-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I was charged {$120.00} & {$210.00} AS NEW PURCHASES USAA Initiated Fraud Investigation WITHOUT MY KNOWLEDGE OR PERMISSION XX/XX/XXXX The charges above were for XXXX XXXX XXXX XXXX {$120.00} purchased XX/XX/XXXX Merchant Credit Applied XX/XX/XXXX {$210.00} purchased. XX/XX/XXXX XXXX XXXX Applied XX/XX/XXXX Clearly, this is done to create FRADULENT CHARGEBACKS
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-08-28
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

According to Walmart MoneyGram website, it states transfer money within XXXX minutes, but when I called to inquiry, I was told up to XXXX hours. The XXXX minutes was highlighted next the the fee of {$4.00}
Consumer complaint received 2019-12-30
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. (CA)

XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

HIPAA VIOLATION : Collection Agent : ARS ACCOUNT RESOLUTION Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX**** According to a recent copy of my credit report ARS ACCOUNT RESOLUTION has been reporting an alleged debt owed by me, which is causing severe damage to my credit report.under the HEALTH INSURANCE PORTABILITY and ACCOUNTABILITY ACT ( HIPAA ) I am allowed to protect my privacy and medical records from third parties.I do not recall giving my permission to XXXX  XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party I am not asking for a verification or validation of this account.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several unathorized inquires that I have contacted Transunion about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that Transunionto initiate an investigation the into inquiries 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 inquiry. 

The inquiries are XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Consumer complaint received 2016-08-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

The school I went to was XXXX XXXX XXXX and they closed all of their North American schools due to false claims and wrongfully higher loans with XXXX XXXX. I have over XXXX dollars in student loan debt and non of my credits for my XXXX can be transferred to any school. This was a scam and they should be ashamed of lying to their students.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed two accounts from XXXX XXXX on my Experian credit profile that show late payments for the month of XX/XX/2022. The account numbers are XXXX and XXXX. The balance and payment history of the account is incorrect and hindering my credit profile. Both accounts are completely incomplete and inaccurate. I sent in my payment history to Experian so they can remove the inaccurate information but they did not do so twice. The accounts were first reported on XX/XX/2022 as late for the month of XXXX which isnt possible. Both accounts are reporting one month as being late but show no other payment history even though the accounts were open on XX/XX/2022 and XX/XX/2022. This needs to be removed immediately and Experian and XXXX are not acting under the fair credit act.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

I have new and updated information regarding claim number : XXXX. Americollect , Inc. have not provided all of the requested documentation per my previous request. Their refusal to provide all of the requested documentation is preventing me from exercising my right to assess and validate the alleged debt. 

Please reference the attached documents :
Consumer complaint received 2019-11-29
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: Experian Information Solutions Inc. (CA)

Three times I have been denied credit because the company can not contact me at an old phone number. Both times I have had Experian remove the number and they say they did but it keeps happening. This is the third time and I'm incredibly frustrated.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AZ)

Yesterday I received a report that I had a collection from Convergent outsourcing that I had a collection for {$270.00} for XXXX XXXX which I haven't had since 2017. To my understanding I had turned all equipment and paid all bills. I had not received any calls or letters regarding this. I tried to log on to the XXXX website to look up information and when I did it would not let me log on and when I would input forgot user name and password with my account number it was pulling a number and an email that is not mine. I did call XXXX and they did say that all equipment was turned in but that amount was for the last bill. I have no other information on this and Convergent didn't provide anything other than that. If this information was given to me it would have been paid off along time a go. I don't believe that it is ethical for something that was from 2017 is being brought up now when it was so long ago and I can't find proof that this was taken care of.
Consumer complaint received 2022-02-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

Ive paid the debt collection company for XXXX accounts in XX/XX/XXXX and XX/XX/XXXX. Requested if this could be removed and I was told its not possible for collection agency to remove it and for me to call credit bureaus but credit bureaus say opposite Please can these XXXX paid accounts be removed? Im trying to buy a home
Consumer complaint received 2022-02-10
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. (NY)

I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.
Consumer complaint received 2022-09-02
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. (CA)

in accordance with the Fair Credit Reporting act 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 consunter reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX, I refinanced with XXXX XXXX ( Residential Mortgage Lender ) .There have XXXX policies issued due to failures to pay that resulted in lapsed and eventual cancelled home owners insurance policies. At the time of my refinance with XXXX XXXX I had been insured with XXXX XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. My policy was cancelled with XXXX because XXXX XXXX failed to pay it. This is the first policy cancellation. I called and spoke with an agent at XXXX XXXX XXXX XXXX XXXX. I was told there was nothing to be done because they had received the invoice late. I called my home owner insurance agent and began a new policy with XXXX insurance beginning in XXXX of XXXX. This policy was cancelled for non payment in XXXX of XXXX. This is the second policy cancellation. The same scenario occurred when I reached out to XXXX XXXX to try to resolve the problem. I was told the invoice was received late but when I spoke with XXXX and my insurance agent, both informed me that invoices were sent in XXXX, XXXX and a final cancellation notice in XX/XX/XXXX. 
I now have a new home owners insurance policy with XXXX insurance. This is my third home owners policy in XXXX years caused by non-payment from XXXX XXXX XXXX XXXX Mortgage.