davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX I opened up my first credit card with Capital One. 

Due to it being my first and being XXXX, it was a high-interest rate and {$500.00} credit limit. 

I attempted several times over the years to increase my limit or decrease my interest rate to reflect my increasing credit history and credit score. 

Three years ago I was told that it was a special type of card where neither of those two options would ever be available. Because it's a low credit limit, I was worried about utilizing it and exceeding my 30 % recommended utilization. I was advised by the credit card company that the best way to utilize this card was to never close it because it was my oldest and was at least benefiting my overall credit score that way. I was never warned to maintain activity on it. 

On XX/XX/XXXX I was advised that my card was suspended and being closed in XX/XX/XXXX due to inactivity. 

This is my oldest card ( I have been a " valued member '' with immaculate history with the company since XXXX ) and it will significantly impact my credit score.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union and XXXX  do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX  removed XXXX and XXXX collection and the other ( trans union and XXXX  ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon checking XXXX XXXX  last month I noticed that my score had gone down because XXXX  card  was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXXXXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told transunion reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is reporting a fraudulent account. I have disputed this account for identity theft. XXXX used my personal information to formulate a fraudulent debt. I have no current relationship with XXXX. FTC outlines identity theft as when a person or business uses your information for illegal purposes. I have requested NUMEROUS investigations on this account and I have not received ANY documentation from the credit bureaus in regards to this fraudulent debt. According to the FCRA laws, a consumer ( me ) has the right to request how the debt was validated with the credit bureaus. XXXX deleted the account and Equifax has yet to follow suit, however are governed by the same laws. 
XXXX is paying Equifax good money in exchange to reporting inaccurate fraudulent accounts.
Consumer complaint received 2019-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (MO)

On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )
Consumer complaint received 2019-06-29
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. (FL)

I BEEN A VICTIM OF IDENTITY THIEF. SOMEONE HAS GOTTEN HOLD TO MY INFORMATION AND HAS OPEN FRAUDULENT ACCOUNTS UNDER MY NAME I AM A XXXX  22 YEARS THAT DON'T UNDERSTAND WHY THIS IS HAPPENING TO ME PLEASE HELP ME RESOLVE THIS MATTER
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My loan was transferred to LoanCare from XXXX XXXX on XX/XX/2109. Payments were made to LoanCare using the XXXX account number that was applied to another account with LoanCare that had the same account number of another client at LoanCare for the XXXX and XXXX payments instead of my account. When I contacted LoanCare on XX/XX/19, they corrected their error on XX/XX/19. When LoanCare refunded the overpayments for XXXX and XXXX, the two misapplied payments, they made an error and deducted an additional payment causing the XXXX payment of {$1800.00} to also be deducted from my account. I contacted LoanCare to correct their error on XX/XX/19 and was informed the correction would be made and the {$1800.00} payment would be reversed and applied to my account in 3 to 7 days. As of today, the {$1800.00} payment for XXXX has not been applied to my account. I was informed someone would contact me once the correction was made. It still has not been made.
Consumer complaint received 2023-03-18
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. (FL)

I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to XXXX, Experian and XXXX on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
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. (FL)

I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to Equifax, XXXX and XXXX on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Hello, Nissan motor acceptance violated and breached my California durable power of attorney not once but twice they violated my fathers power of attorney and violated my power of attorney. We are both XXXX applicants for the vehicle loan. My mother is our power of attorney and they disclosed our account information without authorization. They process a third-party payoff and issued our vehicle title to an unauthorized third-party for which my father nor me Signed for and for which neither did our power of attorney there is no verbal or written authorization from my father, or myself for Nissan to have committed the elder financial abuse that they did my father is XXXX XXXX XXXX and he is the primary loan holder for his Nissan vehicle. I am the secondary, which was to help me with my credit, but I had no time possess the vehicle. It is my fathers vehicle. He only added me as a secondary to help me improve my credit with all the time payments being at my fathers XXXX XXXX XXXX with XXXX, has a power of attorney. This is elder financial abuse that Nissan committed by them, giving away our title and processing a third-party payoff without any authorization we have record of the phone calls were they said that they would not do this, but on XX/XX/XXXX they illegally and fraudulently process a third-party pay off without our other, is ation, and give away our title, despite four years of payments of over {$20000.00}.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

I enrolled in a CARES ACT forbearance plan in XX/XX/2020. In XXXX i asked to be taken off forbearance and given the option to defer payments to the end of the loan. Upon agreeing to tbe deferment my credit score dropped 120 points. I called US Bank, my lender, and submitted requests to fix inaccurate data. 3 weeks later i received a letter stating it was reported properly. I than called all 3 credit bureaus. Each credit bureau, upon hours of digging deep into my credit found US bank did in fact report incorrectly. The supervisor of transunion his self sent my lender a escalated request to fix their reporting errors. US Bank still stated they were reporting correctly. There is no way for me to speak with the lenders credit reporting department as US Bank will not allow it. Today is XX/XX/2020 and my deferment is still not finalized, 2 months after signing the paperwork.
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I have previously submitted a complaint about the payment count for the PSLF program. The results returned as a range of 63-80 payment counts for the individual loans. I do not understand how I can have different payment counts since my loans were consolidated when I graduated in XX/XX/XXXX and began payments in XX/XX/2011. Thank you.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (CT)

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. 

Account name : # XXXX, Account name : # 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 a 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 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an unfortunate situation happen and I knew I was going to need some assistance with making payments on my capital one credit card. I called and the company gave me 3 months assistance by not charging me late fees as long as I made a {$50.00} payment each month. So I got back on track from my situation and I went to purchase a new home and I find out they put 2-30 day lates ; XX/XX/2019 and XX/XX/2019 on my credit. So I sent the credit bureaus copies of the letter stating they wouldnt charge me late fees and the credit bureau said the information wasnt gon na change. So Im trying to see how is it they said they wouldnt charge me yet attack my credit.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One closed my XXXX account without notice due to inactivity. I was not able to use the account because the card expired XX/XX/17 and was never sent a new card. I called after receiving the email but they would not reopen the account.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX  IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU
Consumer complaint received 2019-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Santander is reporting a {$9500.00} debt that was covered. This debt is Santander 's tactic to defraud the United States IRS. I had a previous auto contract with Santander. I was in a non fault accident and the at fault person 's insurance in addition to my gap insurance paid the remaining balance on my account. Santander accepted the at fault insurance payment and the gap insurance payment. I do not owe Santander any money. I have no contract with Santander anymore. I requested validation of debt. I NEVER received any type of correspondence to even validate the fraudulent amount of {$9500.00}. They have violated many FDCPA violations. Santander has use my personal information to receive a tax write off for a fraudulent debt.
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC (OR)

I received papers of a garnishment at my employment and was unaware of any judgement. The debt is from XX/XX/2011. The amount is {$1600.00}. I called the company and explained that I never received any notification of the debt or judgment. This debt does not show up on my credit report either. If so I would have taken care of it. I asked company if they could drop the amount and could only do {$80.00}. This debt seems like scam since it shows up nowhere expect for Johnson Mark LLC attorneys at law.
Consumer complaint received 2022-12-14
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: Experian Information Solutions 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. 

Dept of Ed/XXXX, Dept of Ed/XXXX Dept of Ed/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 a 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.

- There are several inaccuracies being listed on my credit report
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

I lost my job during the shelter in place order mandated in XXXX of 2020. I used my savings to continue paying my rent and bills however once that ran out I had credit accounts go into delinquency. I was able to negotiate hardship terms for most of my cards however both times I called and explained my situation to account representatives, they said they were unable to remove late fees due to their company policy. I called on two different occasions between the months of XXXX XX/XX/2020. By late fall, I had been charged several fees which made paying the minimum due to bring the account current impossible. I am on unemployment and receive {$400.00} a week. This is not nearly enough to live on but it's all I have. I would like to settle this account as soon as possible to end the negative remarks being reported each month. My credit score is very low and this account is one of the reasons why. I have remained current on all other cards who worked out payment plans and have paid off over 3 accounts however my score only drops further instead of showing any improvements.