davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (OH)

On XXXX XXXX collection agency ( Spring Oaks Capital LLC ) add a derogatory mark on my credit report per XXXX  Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Spring Oaks Capital LLC ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

The XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Online access password needs to be reset, having issue resetting password and getting into my account to access my money on the card and I already provided all necessary information needed. And still yet to no avail.
Consumer complaint received 2022-01-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

This collection agency is report payment status 120 days late on my credit report. This agency is in violation. Secondly the payment history is not reporting consistently nor accurately. The first missed payment shows 120 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020. How is this even possible.
Consumer complaint received 2022-06-14
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. (NY)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX All these accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with 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 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 2022-06-14
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: CCS Financial Services, Inc. (OH)

On XXXX XXXX collection agency ( Credit Collection Serv ) add a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Credit Collection Serv ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2021-10-27
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: General Motors Financial Company, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-27
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-03-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MO)

On XX/XX/2019, voicemails were left for myself and a reference that were against the FDCPA. The voicemail left for myself was harassing by stating how long theyve tried to contact me, threatening by stating that hes called my refenences and extremely unprofessional by the tone of his voice. The voicemail to my references stated that he has been trying to contact me all month long, as well as stating directly where he was calling from. There was a phone to my other reference on this day as well and he spoke to her tell her his name, where he was from ( without being asked ), stated that hes tried to call me all month long and left a message with her to call me back. He left his name, number, and extension with the reference. 

For the voicemails left I have copies of both the voicemail left for myself and the voicemail left for my reference. However, they will not attach as they are not paper files. 

I contacted XXXX XXXX directly at XXXX XXXX and tried to explain that he violated FDCPA, he basically told me he didnt care and that I was past due {$250.00} and that my account needed taken care of. I asked to speak to a manager and was connected with a woman, who I told the violations to and explained how rude and unprofessional XXXX was. She apologized, but you could hear in her voice that she truly didnt care and was walking through the motions.
Consumer complaint received 2023-04-10
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. (AL)

The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing 0 Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof
Consumer complaint received 2019-03-19
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. (NY)

I have an issue with XXXX and Transunion reporting. XXXX XXXX deleted an account off my credit report but it still shows on both XXXX and Transunion. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than Transunion. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need Transunion and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (AL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 2018-10-12
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (WI)

I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need assistance from the CRA 's because their client, XXXX XXXX XXXX XXXX makes a mockery out of an investigation. It is wrong for the CRA 's to request an investigation and then XXXX  merely reply they are reporting correctly. I have repeatedly requested copy of the credit report used for a fraudulent loan through ( XXXX  ). XXXX has repeatedly denied. The credit report will prove the theft and fraud reflecting I was " checked out '' first and then the report was pulled prior to applications and loan. XXXX couldn't find the report and after 60 days labels my request as a duplicate with CFPB. This is 100 % wrong! In addition to not having permissible purpose, the loan should have never been processed in the first place. Can the CRA 's go back in their system and find the credit report that XXXX  does not have? What can the CRA 's do to help? I request a detailed report why XXXX continually labels my requests as a duplicate when the have never furnished the credit report. And a detailed report of why they continually state they are reporting properly.
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

I have been trying to update my bank account information with Money Lion for over two months now. I was told that I can not update my bank with plaid because it is not supported just yesterday XX/XX/2021. I was also told by XXXX XXXX that a supervisor would call me back regarding the credit reporting for XXXX and no one has reached out to me. Money Lion reported me 30 days late and havent helped me with trying to add my bank manually and now its on me to contact them so a payment can be made instead of fixing my issue. This is ridiculous! This is clearly a issue on their end and no one is taking accountability for their mishaps.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called transition and XXXX to take off hard inquiry 's off my report from XXXX XXXX 2016 I went for XXXX car loan now I have XXXX inquiries on my credit report I gave no authorization for this and I want them off of my credit report
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OK)

I have a credit card with Forever21. It is past due, and I am now aware. I plan to make payments soon. 

Commmenity bank called me 9 times yesterday XX/XX/22. They called me 7 times today. I also got one call from a private number on both of those days and I believe it is from them as well Also : their website is highly unethical. Say you log into your online account to see when your bill is due. If you check within a few days to a week before your bill is ACTUALLY due, the website will instead tell you when the due date of the NEXT billing cycle is. If you check TOO CLOSE to your due date, IT WILL NOT TELL YOU THAT ACTUAL, SOONEST UPCOMING DUE DATE. This is what it did to me. I logged in, thought my bill was due a month out, and didn't make a payment. Next thing I know I'm getting repeated calls. HOURLY. Not only are they harassing me about it, it's a scam to begin with. I should not have to pay any late fees and my credit score should not be affected due to their trickery
Consumer complaint received 2021-09-14
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 (PA)

I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
One Main : inquiry date is XX/XX/XXXX. 
XXXX card : XX/XX/XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

This is in reference to # XXXX that has been closed. Experian indicated that they are in the process of removing XXXX XXXX XXXX from my credit report. They have declined to remove the name XXXX XXXX XXXX from my report. Again, I have never been associated to anyone who has this last name. The other two major credit reporting agencies have removed this inaccurate information so why is Experian indicating they are declining to remove this? I would like further investigation and also for them to provide the information of whomever reported this. 
Thank you
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit acceptance reported to the credit bureau that a debt of {$21000.00} is owed. The debt is not owed by me. First the credit reported it closed, then open. The creditor failed to contact me prior to reporting such derogatory information to the credit bureaus. As such, it failed to follow the Fair Credit Reporting Act. Please delete the item from the credit report.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

What happened? 
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX  took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX   took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

The following account is a result of identity thief and FRAUD ...... I have already filed a dispute with the 3 major credit bureaus, the following account WEST LAKE FIN ACCOUNT NOXXXX IS A FRAUD AND MUST BE DELETED IMMEDIATELY. Pursuant to 15 U.S.C. 1681 SCTION 602 A States I have the right to privacy .... Also it states under 1681 section 604 A section 2 : that a consumer reporting agency can not furnish an account without my written instruction...
Consumer complaint received 2022-07-21
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I contacted Citizen 's Bank on XX/XX/XXXX after receiving a notification about a purchase on my Citizen 's Bank+ credit card. Upon logging into my account, I noticed a total of six fraudulent charges made to my account. Four of these charges ( made in XX/XX/XXXX ) were made prior to my credit card with Citizen 's Bank even being issued to me in XX/XX/XXXX. I have been able to get 3 of the charges credited back to my account ( 2 were credited back automatically as soon as the charge was made, and 1 was credited back after my first phone call to them ). 

As of today, XX/XX/XXXX, no department at Citizen 's Bank that I am able to speak with over the phone is able to give me a status of whether this is being resolved or any sort of timeframe. I keep getting passed from one department to the next, usually ending with one department disconnecting my call and me spending 2+ hours on hold to call them back. They do not seem to be making any attempt to rectify or even investigate this situation or to refund me the {$180.00} that I am still owed back from the three fraudulent charges that they are not working to fix.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I received an alert from XXXX on XX/XX/XXXX that Equifax had changed my address on my credit report. When I tried to log into the Equifax Lock and Alert website I was informed that access was not possible at that time and was instructed to call them directly. When I called the Equifax number, I spoke with an individual by the name of XXXX who barely spoke understandable English. When I explained my issue to XXXX, he stated he was unable to tell me why an address change had been made to my credit report and offered no other assistance. The issue is that we updated our current address with all of the credit reporting agencies when we moved into our current address almost XXXX  years ago. Although the update that apparently occurred today ( from our old address in XXXX XXXX XXXX  to our current address in XXXX XXXX  ) was accurate, I want to know who/what prompted the update to my credit report -- especially since that had already been done almost XXXX years ago. When I expressed my frustration about not being able to get an answer to my questions, XXXX responded that he took my frustration about not being of any assistance as a compliment. Due to the constant threat of identify theft, I feel I have no choice but to pay for the services provided by Equifax. That said, the quality of the support they provided to me today is appalling -- and is only amplified by having to deal with overseas call centers that use individuals that do not speak English well enough to be able to communicate clearly -- and that have absolutely no interest in providing a reasonable level of customer service.