davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

I filed a dispute with Citi Bank in XX/XX/XXXX which resulted in an update with the credit agencies in my favor regarding a debt discharged in chapter XXXX Bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming this update. A month later I receive a letter from Regulatory Complaint Specialist H. Mounted reversing that decision because my Social Security number and And address didn't match. I had two social security numbers which is why the Bankruptcy Court attached a declaration stating such, which was attached to the complaint and forwarded to Citi Bank and will be attached again. My address does not have to match as I am an American and free to move about as I please. Please review the documents carefully as to not make a judgement in haste. The United States Bankruptcy Court made a decision and it should be upheld. This is causing much stress in my life and would like to move on as soon as possible from this ordeal. This is having implications on me obtaining employment and providing for my family Thank You XXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX IS SHOWING ON MY CREDIT ACCOUNT FROM 2012 AND THEY BEEN PAID, AND I STILL HAVE SERVICE WITH THEM EVEN TO THIS DAY AND HERES PROOF ITN HAS to REACH THE STATUTE OF LIMITATIONS AND NEED TO BE DELETED IMMEDIATELY
Consumer complaint received 2019-09-09
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: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am having this problem with Carrington Mortgage Services LLC, for the last few months.Carrington Mortgage Services, LLC has opened a fraudulent mortgage loan account under my identity information on the XX/XX/XXXX of XX/XX/XXXX with a mortgage loan account number of XXXX. During that time, I had to business relation with Carrington, under which Carringtoncan issue such loan. 
The opening of the loan account was not disclosed by the company to me or to the Credit Reporting Agency for a period of 6 years until XXXX. 
When I discovered the issue first, I filed an identity theft report with the FTC on the XX/XX/XXXX. 
As a result, Carrington Mortgage Services , LLC closed the fraudulent mortgage loan account. Carrington as of today, has not provided any proof that could establish the legal validity of their opening the mortgage loan account. 
However, ever since the month of XX/XX/XXXX, Carrington Mortgage Services has opened and closed the account multiple times for no reason. Under FCRA, the creditor of any loan account is responsible to remove a loan unless and until they are able to furnish any evidence, record or proof in support of a loan agreement executed with a consumer. 
Carrington 's act of opening and closing the loan account is in continuous violation of FCRA and Texas Deceptive Trade Practice Act. 
Since Carrington is a third party mortgage servicer, such act of Carrington also violates FDCPA.
Consumer complaint received 2018-10-15
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. (CA)

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and XXXX account experian, XXXX and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
Consumer complaint received 2019-09-09
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. (TX)

Few days ago, I reported a dispute issue I was having with Transunion Credit Reporting Agency. While Transunion agreed to take care of the issue in 60 days, it terminated my access to check the dispute status or report a new dispute since I reported the dispute issue with the CFPB. 
When I try to check my dispute status and use my credential for that ( Username " XXXX '', I am blocked from any further access ). 
Credit Reporting Agency has a duty to refrain from acts that constitute of deem to be an act on a consumer on malice or retaliatory under FCRA. Consumers do have a right if they find any report or service provided by the CRAs to be faulty or incorrect. 
However, Transunion should refrain from this kind of act of malice or retaliation for a complaint.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reinserting deleted accounts on my credit report. XXXX XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA. This account was deleted once from my credit report and now its reinserted without my knowledge again.
Consumer complaint received 2022-10-18
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

Violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ), Telephone Consumer Protection Act ( TCPA ) and Fair Credit Reporting Act ( FCRA ). 

Unbeknownst to me, Diversified Consultants placed a collection account on my credit bureau reports and damaged my credit score/worthiness.I was also inundated with collections calls from DCI. Requests to cease and desist contacting me were disregarded, in violation of the, Telephone Consumer Protection Act. 

On XX/XX/2019 DCI was sent a letter asking to validate the debt. DCI did not respond to my request. Another debt validation letter was sent on XX/XX/2019. Despite the fact that the XXXX and XX/XX/2019 debt validation request letters were delivered and signed for, DCI failed to respond, in Violation of 15 U.S.C. 1692g Validation of Debts.

15 U.S.C. 1692g provides that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing certain enumerated information.

DCI has violated 1692e by using a false, deceptive and misleading representation in its attempt to collect a debt.5 U.S.C. 1692e prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

DCI falsely reported a collections account to credit bureaus that resulted in damage to my credit worthiness, in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-01-06
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. (VA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX. 
As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I have applied for loan forgiveness through Navient ( directly ) and the federal government, but continue to be denied even though Ive worked in a XXXX XXXX XXXX for 13 years. My coworkers have all had their loans forgiven, however Navient has rejected all my requests.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

XXXX XXXX purchased our loan in XX/XX/XXXX. As of XX/XX/XXXX until present day, I have had an online bill pay transfer occur every two weeks for {$1500.00}. Initially, our loan amount was {$2700.00} including escrow ( taxes and insurance ). I had asked that all extra be added to the principal. In XX/XX/XXXX, our family was living in XXXX ( my daughters and I resided there XX/XX/XXXX to XX/XX/XXXX, my husband is still there ). The payments continued. However, with the anniversary of XXXX XXXX on XX/XX/XXXX. Communications between the US and XXXX were VERY difficult and trying to get the funds transferred back to the US to replenish our bank account was not easy. I verified before making the change that I had two payments going out between XX/XX/XXXX and XX/XX/XXXX and I moved the XX/XX/XXXX payment to XX/XX/XXXX. Hoping we would have the ability to make the transfer by then. There were payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then we made two payments on XX/XX/XXXX and XXXX on XX/XX/XXXX. The next payments were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then another will go out on XX/XX/XXXX. We were reported to the Credit Bureaus for late payment in XXXX ( over 30 days ) and have now paid a late fee each consecutive month after ( XXXX, XXXX, XXXX and likely XXXX too ) but they have the money it is in their system, The system is the problem. I can send verification of all the payments. What I was told when I called on Friday, XX/XX/XXXX was that their system can not handle the way I have been doing the payments over the past 3 years this was the first time I was aware of there being an issue with how the payments were being made. The first time I was ever aware of the " late payment " was when I was reported to the credit bureau and XXXX XXXX notified me. I sent an immediate email via the website to the company and received no communication back via the email system. Now, I did receive a letter in my XXXX XXXX which my mother in law checked 2 weeks later. However, the damage was done. No calls were getting through to XXXX on my US number between XX/XX/XXXX and around XX/XX/XXXX ... so if they did call I did not get it. But the only message I am aware of sounded like a refinance ( consolidate your loans with us ) type of message. My credit score dropped by 100 points because of this from XXXX to XXXX. I have worked really hard to maintain an excellent credit score for myself and my husband.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

I had a XXXX XXXX XXXX XXXX with Citi Bank as of XX/XX/2019 I have balance of {$0.00} with them, it still shows up on my credit report
Consumer complaint received 2019-09-09
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: Credit Consulting Services, Inc. (CA)

I have NEVER signed, or authorized ANY agreement, or done ANY business with Credit Consulting Services Collections, nor do I know who they are!!! This is a attempt of Credit Consulting Services Collections that I am certain is racially motivated threatening extortion, in addition to violation of the F.C.R.A. If this erroneous inaccurate racially motivated extortion collection attempt is NOT immediately removed from my credit bureau reports, I will be immediately filing a complaint in XXXX XXXX Superior court vs them!!!
Consumer complaint received 2019-09-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (TX)

Dear Mortgage Loan Servicer, First of all I appreciate your effort to convey information confirming the mortgage loan issued with the MIN ( XXXX ), that was provided. However, after dedicated communication with XXXX ( XXXX XXXX XXXX XXXX, it was made clear to us that the specific MIN number has been used to identify two mortgage loans in the XXXX System. While one of the loan issued was on one of the property location to be XXXX XXXX XXXX, XXXX, TX XXXX, the XXXX Record confirmed that the other loan issuance against our property addressed at XXXX XXXX XXXX, XXXX, TX XXXX. 
Moreover, XXXX team confirmed that the specific entry has been made by your company employee acting on behalf of service agent. 
Should this information is not correct, please provide a statement of fact that the " Specific Loan has not been issued by any lender, or by you ( Through any other means, fraud etc ), under penalty of perjury. '' Hope your prompt response and co-operation in this matter. 
Thanks.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX 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 an 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 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called XXXX XXXX XXXX XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the XXXX letters I received in the mail from XXXX XXXX XXXX.