davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
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. (IL)

In XX/XX/XXXX, I applied to the rate reduction program that XXXX  runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with XXXX. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureau XX/XX/XXXX.
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: Experian Information Solutions Inc. (LA)

I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TN)

My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time  and to the best of my ability
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 — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

American Express sued me over an alleged unpaid balance. During the court process the case was dismissed with prejuidice. Prior to this I have filed a dispute with all 3 CRA regarding this. American Express continues to report to the CRAs that the debt is correct. The case was dismissed with prejudice in my favor. American Express has no legal standing and under State Law must remove account from all credit reporting agencies.
Consumer complaint received 2021-12-07
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. (PA)

I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

InXX/XX/XXXX, I applied to the rate reduction program that Navient runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with Navient. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureauXX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXX  Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-15
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: Early Warning Services, LLC (NY)

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX   risk department froze my checking account and closed it. I was told by numerous XXXX  XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX XXXX XXXX has reported the hacked accounts to XXXX and Early Warning Services. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
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. (NJ)

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 # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

I am lodging a formal complaint against aldous and associates. This debt collection company has been reporting derogatory info on my 3 credit reports for a debt in the amount of {$110.00} which isnt mine. i have never recieved a dunning notice from this debt collector which gives me 30 days to dispute validity of debt. which is a violation of the fdcpa/fcra. debt collectors must send dunning notice to consumer before reporting. i have lived in XXXX XXXX  at the same address for over 17 years so theres no way i recieved anything from them, not even a phone call. i am in the process of purchasing my very first home and im being told by my realtor that this errounous account being on my credit reports is holding me back. i am requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed next if account is deleted immediately
Consumer complaint received 2021-10-12
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: LendingUSA (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 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX XXXX stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. Pennymac is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to Pennymac. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. Pennymac is the worse Thanks
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor XXXX XXXX XXXX mistakenly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but TRANSUNION did not for more than 30 days. None of my accounts are delinquent but they are showing them that they are.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NJ)

I am lodging a formal complaint hunter warfield inc. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$250.00}, which i have no clue about because i never recieved a dunning notice before warfield reported on my credit reports, which is a violation of the fdcpa/fcra. debt collectors must send a dunning notice before reporting which gives the person 30 days to dispute validity. not one notice from warfield, not even a phone call. i am in the process of purchasing my very first home for my family and i. now im being told this collection account is holding me back from my dream house. i am requesting immediate deletion of this account from my credit reports. better business bureau, and attorney general complaints will be filed if this account isnt deleted. thank you for your time.
Consumer complaint received 2022-11-30
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)

the following accounts have ERRORS in them. I have uploaded documents form my latest credit report PROVING that these errors exist! according to the law, credit reports must be XXXX XXXX accurate or they must be removed from the consumers credit file. 
XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (CT)

I have reached out to XXXX XXXX, and explained to them I have never had an account with their company. They told me to complete this forma nd they w3ill investigate it. This is affecting my credit and would like it to be removed immediately. 

-XXXX XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C. (IN)

On XX/XX/2022 I received a summons for a debt to which I had contacted the debt collector twice informing them that I am a Social Security XXXX recipient. I even forwarded to them copies of my Social Security Award. I responded to their summons with an Answer and Counterclaim, I also attached copies of my communication with them showing my communications ( 2 ), and Exhibits showing actual communications, where their letter informed me to send these communications, Social Security Award letter. I mistaking thought that when a debt collector pursues you even after your have filed a dispute showing you are judgment proof, they were violating the rules of FDCPA. I asked for strict liability damages of {$1000.00} in my counterclaim filed with my answer. The debt collector responded with a Motion to Dismiss my counterclaim since they did not break the FDCPA rules. All documentation has been attached showing all of the above. All exhibits are included my official Answer to their complaint. 

Can you please help me? I now have a lowered credit score because of this, and I followed the rules. I am not well and informed them of this.
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FORD MOTOR CREDIT CO. (NJ)

Due to unforeseen life circumstances, I had to filed bankruptcy in 2019 and included a lease with Ford Motor Company in that bankruptcy. I found out that my attorney, XXXX XXXX filed a reaffirmation agreement with Ford Motor Company 4 to 5 months AFTER my bankruptcy was closed and discharged. I reached out to my attorney to find out why he did that without my knowledge and was informed that he was disbarred due to unethical practices. I reached out to Ford Motor Company but was told they would not do anything. 

I am trying to obtain a vehicle for work but my credit reports are reflecting a bankruptcy and a repo post bankruptcy. I feel that the information being reported to the credit bureaus by Ford Motor Company is inaccurate and misleading and I have tried to rectify but have been denied. 

I have attached copies of supporting documentation.
Consumer complaint received 2021-12-07
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. (FL)

I disputed my XXXX XXXX  / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through Transunion. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to Transunion on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (TN)

I have a fraud watch on my credit report since around XX/XX/2008 but not 100 % sure that the year is correct but close enough, and NO ONE is to run my credit without calling me first to see if I applied for credit. In this case I have not applied for credit from anyone in any form being loans, cards, etc. I'm XXXX from end stage of my XXXX XXXX and I'm at home on XXXX care with XXXX XXXX XXXX. I've been on hospice care since XX/XX/XXXX. First with XXXX XXXX and then I changed to XXXX XXXX.I 'm not able to apply for credit of any type nor have I been contacted by anybody about getting credit. So if there is anything you can do to put a stop to this please do so. I'm not looking for credit from anyone. 

Yours truly, XXXX XXXX