davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PORTFOLIO RECOVERY ASSOCIATES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PORTFOLIO RECOVERY ASSOCIATES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M.L. Zager P.C. (NY)

ML Zager keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-18
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: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

This is my second time disputing the late payments for account FIRST INV SERVICING CO # XXXX from XXXX 2021. I had some issues with my income being affected by XXXXheCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-10-19
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: Southwest Credit Systems, L.P. (IN)

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. SOUTHWEST CREDIT SYSTEMS Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and SOUTHWEST CREDIT SYSTEMS is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

made a reservation thru Chase XXXX travel for a flight on XX/XX/2021. I then changed the date to XX/XX/2021 and was charged and was charged another XXXX on XX/XX/2021. The flight was going to be a transfer to XXXX. I called a few days later and found out that it was not going to be time to get luggage and transfer, and that my name was not correct on the ticket. THEY HAD A WEEK TO CORRECT THIS. THERE WAS NO ONE TO SPEAK WITH AT TAP. THERE IS NO PHONE NUMBER. I WAS ON THE PHONE WITH CHASE XXXX  UPWARDS OF 3 HOURS ON NUMEREROUS OCCASIONS. I HAD TO BUY A NEW FLIGHT WITH XXXX XXXX. I am still being charged for both of these tickets, the ones purchased thru TAP. IT IS CRIMINAL AND THEY KNOW IT.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (WA)

I have had {$100.00} in a TD Bank checking account for multiple years now. The bank will not allow me to close the account nor withdraw my money. I opened the account in XXXX, but currently reside in XXXX   state. The bank insists that I come into a branch personally to close my account, but there are not branches in XXXX state. 

Presently my account has been marked as " inactive '' due to inactivity, preventing me from accessing the funds via debit card or check. I have called both the branch I opened the account with and the national customer service line multiple times without resolution. 

I just want to close the account and have them send me a final check for the balance. 

Thanks for looking into the issue.
Consumer complaint received 2021-03-16
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. (VA)

Experian XXXX is reporting the wrong mileage for my vehicle. They say its XXXX when its really around XXXX. Their wrong information damaged the value of my car. They refuse to change it without me providing evidence from a service shop. This would require me to spend money to fix their inaccurate data.
Consumer complaint received 2021-10-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

IQ DATA, a collection agency for XXXX XXXX XXXX has posted a debt collection entry on my credit bureau. 
I do NOT owe this debt! 
I was given a notice in XX/XX/2021 that my lease would not be renewed by the property management company so I moved out in XX/XX/2021 and they are charging me for a lease break fee since my lease initially ended in XXXX and also one months rent. I do NOT owe these funds and I would like this removed from my credit bureau reports.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, On XX/XX/2021, I leased a XXXX XXXX. At the dealership, we set up an agreement to receive a paper bill mailed to our address. However, the bills were never received due to Covid-19 related delays in the postage system most likely but the reason is ultimately unknown. I visited the dealership in person to figure out the issue. There were no address issues on the account that could have caused the delay. After leaving the dealership, I was able to set up an auto-payment system with the account number that the dealership provided. After the first payment, a credit report from experian.com revealed that my score dropped significantly ( from XXXX to XXXX ) because of XXXX late payment. We are leasing the XXXX XXXX for a a long time and there has never been a delayed payment on my end and I always adhered to all deadlines and rules. I contacted the XXXX XXXX  costumer services, the case # XXXX for account # XXXX was open on XX/XX/2021 based om my complain. Please assist in any way you can to rectify the issue and have my credit score reflect appropriately.
Consumer complaint received 2020-03-30
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. (CA)

My credit score ( FICO ) went from XXXX in XX/XX/2020 to XXXX in XX/XX/2020. I would like a valid reason why there was a 25 point drop in my credit score since nothing on my credit report has changed from XXXX to XXXX. 

Except for the complaint against Experian I filed in XXXX with the XXXX. 

Trying to contact Experian is a challenge of long waits on the phone only to be relocated to someones mail box. They say a dispute can be completed online only to find out you have to contact them my phone.
Consumer complaint received 2020-03-30
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: ONEMAIN FINANCE CORPORATION (NJ)

After my first complain against OneMain about a Hard Inquiry that I do not recognize, this mention company send me a email ( see attachment ). OneMain offer me to call them again and discuss this issue, Well I had call this company many times already and send dispute letter about this hard inquiry true the 3 mayor reporting agencies. I DONT THINK I NEED TO CALL THIS COMPANY AGAIN .... JUST INVESTIGATE THIS MATTER AND DELETE THIS HARD INQUIRY.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, I am writing this letter to file a formal complaint with santander usa. The company has reported my account past due when I was told on several calls that it would not if I continued to make the payments due to the account having reached maturity. The goal was to get a modification approved. I specifically asked if i was ok with making the normal payments and that my account would not be adversely affected. The agent assured me that it would not and they would offer a modification to take care of the remaining balance. To my surprise of the weekend of XXXX XXXX was notified of the late payment status to the credit reporting agencies. In addition, the modification documents for signature and the email noted it would deactivate on the XXXX. I attempted to access the document on the day and was given an error message. I am currently under going a refinance of my house. I acted on the advice from the agents regarding payments which appears to have been incorrect. I respectfully ask that this 30 day be removed from my credit report. I only did what i as told. Listed below are the times and agents i spoke with. 

Thank you very much. 

XXXX XX/XX/XXXX- Agent badge XXXX XX/XX/XXXX - Agent badge XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2022-12-29
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. (TN)

I contacted XXXX XXXX about a fraudulent subscription account on my credit reports. I submitted documents of my identity and a written statement under the FCRA for a fraud block. However, XXXX XXXX refused to remove the fraudulent account.
Consumer complaint received 2022-12-29
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: Grow Credit Inc (TN)

I contacted GROW Credit about a fraudulent subscription account on my credit reports. I submitted documents of my identity and a written statement under the FCRA for a fraud block. However, GROW Credit refused to remove the fraudulent account.
Consumer complaint received 2024-03-18
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. (NC)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX account is closed and paid showing no late payments on the XXXX report the account is not accurate. XXXX XXXX XXXX account is showing a balance of {$1700.00} when company issued a XXXX cancellation of debt this account is not reporting accurate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

On XX/XX/XXXX I spoke with Flagstar representative, XXXX who was unable to resolve my issue, then I was transferred to XXXX. XXXX told me he would work to update the system to reflect my request for payments to be applied to the months I specifically requested when I mailed the checks. Sometime in XXXX or XX/XX/XXXX I called and requested my loan to be brought out of Forebearance and requested to resume making monthly mortgage payments. 
I fulfilled my obligation as agreed upon to make 3 payments for the months of XXXX, XXXX, and XXXX, then have my loan modified. 
I feel like I am being penalized for trying to keep my home out of Foreclosure and resume making payments online without having to spend extra money and time by sending payments via Certified mail. 
This is an extreme inconvenience and causing more unnecessary stress. 
I request my VA Loan be immediately processed for modification so I can resume making monthly payments online. 
As of today, XX/XX/XXXX after speaking with XXXX, XXXX Representative the system does not reflect my loan payments were applied correctly as requested again and my loan remains in forebearance.
Consumer complaint received 2020-03-30
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: Experian Information Solutions Inc. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I closed on my property in Hawaii but never received the remaining escrow. I contacted the Lakeview Loan Servicing but since I've sold the property have my loan on record. 

I've provided them with my loan number and the settlement document with their information but they are still unable to find my account. My Loan NoXXXX was deleted after it was paid in full. The remaining escrow was never forwarded to my new address. 

May I ask how your assistance in claiming my remaining escrow? 

V/r, XXXX XXXX XXXX
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.
Consumer complaint received 2020-03-30
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. (NY)

Hello, None of the boxes I checked previous to this were particularly accurate, but I wasn't given the option to select what my issue is. 

My issue is with Experian and their credit report and scores. My score has inexplicably dropped 25 points this month, I have logged into my account to see if there is any fraudulent or incorrect information on there and there is not, my account information ( debt, balance available, accounts opened/closed, credit inquiries, negative comments etc ) is all exactly as it should be and exactly what it was the month prior.

It is inexplicable to me how a credit score can drop so steeply without any of the information in the credit report changing - it goes against every piece of information on how credit scores are determined. Because this is so puzzling and nonsensical I have tried repeatedly to contact Experian to have them explain this to me and I can not get an answer from them as to why.

I am fully aware of all the factors that go into a credit score, because non of these factors changes, my score should not have either. It remains in the mid-800 's in other credit companies ( XXXX  & XXXX ) which makes this huge drop with Experian even more nonsensical. 

All I'm asking is ... give me the reasons why my score dropped so that I can challenge it if it is fraudulent, or work on fixing it if it is accurate. But without telling my why, this is impossible to do. 

Thank you.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This collection agency ( eastern account systems ) is attempting to collect a debt from XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (NC)

I own a XXXX credit card. XXXX is backed by XXXX XXXX. Since XXXX they have been stealing my payments under the impression of them being late. Clearly it is an error on their part. All my payments have been early and above the minimum required payment. They refuse to make the corrections and credit my account. I made one attempt in XXXX to pay this fictitious lateness. It didnt matter each following month they continued their thievery. Now theyre offering a new deal. Pay another late fee and the card will be clear. Forgive me for not believing them. No mention of the previous stolen deposits was offered. Theyve admitted the error but never the proper solution.
Consumer complaint received 2020-03-30
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. (FL)

I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.