davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (UT)

I had a credit card with Home Depot,

in XX/XX/XXXX I refinanced my mortgage and all of my bills were paid in full. This was XX/XX/XXXX I called all of my credit card companies closed them all. I have been getting since XX/XX/XXXXbills fro

m Home Depot with late charges, and phone calls every day and bills once a month. I do not owe them {$110.00} for late charges. I think this is unfair, I have not been in a Home Depot since. Please help me
Consumer complaint received 2019-11-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, XXXX, and especially Equifax. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX -No Information provided original letter attached and ignored response {$100.00} 2. XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - Equifax claims to have verified this from XXXX XXXX but my XXXX XXXX  account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


XXXX 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.
Consumer complaint received 2018-05-24
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. (IL)

I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (MI)

Experian has failed to respond and validate any debt and are severely damaging my credit. I want the items removed, please. 
XXXX XXXX XXXX XXXX Experian Balance {$2100.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Update this account to paid in full because you report a monthly payment of {$43.00} on a closed account On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX XXXX  XXXX Experian Balance updated XX/XX/XXXX IS AN ERROR Balance has not been update after dispute on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX Failed to enter within 30 days from first dispute On Experian XXXX XXXX XXXX XXXX No late payments appear on XXXX nor XXXX update to XXXX XXXX XXXX 4 POTENTIALLY NEGATIVE MONTHS No late payments appear on XXXX nor XXXX update to paid on time The following XXXX items do not appear on XXXX nor XXXX DELETE IMMEDIATELY XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Important dates XXXX date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX 2022
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (AZ)

XXXX XXXX XXXX along with XXXX XXXX XXXX is the companies I am complaining about. Twice I have been turned over for collection for a debt that had been paid. I have been unable to work with XXXX XXXX XXXX as they are abusive and uncooperative. Upon receiving a letter for the collection of a supposed debt to XXXX XXXX XXXX, I called the company to explain that this debt had been paid within weeks of receiving the bill from XXXX and that it had been paid several months ago. I told them I would obtain proof and provide it to them but they kept insisting I owed the money and must pay it at the time. I was even told " if you paid your debts you would not be in collection ''. I got the proof of the canceled check and called again to tell them I would send it but the reprehensive would not listen and kept insisting I need to pay it NOW. I ask to speak to a supervisor, who of course was not available but would call back. The call back simply left a message that they would be taking legal action against me. 
My complaint is the abusive language and repeated harassing phone calls which have followed and the refusal to even consider that I might have proof of payment. I am filing this complaint with the Federal Trade Commission, the XXXX XXXX XXXX XXXX, the Arizona States Attorney General, and the Better Business Bureau.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

I am submitting this Complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, XXXX is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : 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 XXXXXX/XX/XXXX. The FCRA requires the Credit Reporting Agencies to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (CA)

Event : XXXX I had a mortgage company check my credit. They made a single " hard '' inquiry thru XXXX XXXX XXXX... .which was approved by me to do. My issue is that i have a membership with Experian online ... and i had a XXXX credit score before the inquiry ... and they dropped me XXXX points to a XXXX after the inquiry. Nothing else changed on my credit. I have 4 open accounts and am never late with payments. I called Experian twice and the reps said they agree ... ..a lot of points for a single inquiry ... .but they can not help ..because it is controlled by an algorithm they can not access or change. I was about to trade my car in... but this drop in score will adversely affect my interest rate now. 

Respectfully
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I HAVE PREVIOUSLY DISPUTED : Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX  Bankruptcy XXXX  XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Amount : {$0.00} {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. 

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2022-03-07
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)

XXXX XXXX XXXX XXXX # XXXX, XXXXXX/XX/XXXX Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXXXXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to Transunion, XXXXXXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates (NV)

I found out that an original debt from a credit card in the amount of {$1700.00} has been placed as a lien on my home for {$2600.00}. They have issued wage garnishments and bank garnishments on EXEMPT FUNDS. GUGLIELMO & ASSOC. Has bullied me, harassed me, has used corrupt methods to take any money at all from me, a senior citizen, and needs to be stopped. They need to remove the lien on my home which is less than {$550000.00}, they CAN NOT garnish my wages as I only make {$140.00} every TWO WEEKS and they attempted to garnish my bank account to collect my only income of social security WHICH IS EXEMPT. THIS company needs to remove ALL LIENS AND GARNISHMENTS ATTACHED TO ME. THIS IS ELDER ABUSE AND I AM TIRED OF IT. I am in the process of completing my payment to GUGLIELMO on an agreed balance. IN THE MEANTIME they have NO RIGHT TO PLACE A LIEN ON MY HOME FOR THEIR AMOUT OF {$2600.00} which include INTERST THEY ARE CHARGING ME. ELDER ABUSE AT ITS BEST.
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gragil Associates, Inc. (MA)

Hello- On XX/XX/2018 a collection item was added to my credit report this is what it looks like : Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MA XXXX thats it, no phone number and no company name. How am I supposed to clear this up if I do not know who it is from? 
Please advise the best action to take. 
Thank you- XXXX
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I had my credit union process a payment through bill pay for my Compass Bank Credit Card in the amount of {$48.00}. The last time I had made a payment or owed anything to Compass Bank was in XXXX of XXXX and all I owed on the card was the {$48.00}. On or around XX/XX/XXXX, I received my statement that indicated my payment was late. I immediately contacted Compass and my credit union to research why my payment was showing late when I obviously paid it and the {$48.00} had been taken out of my account. The 1st contact I had with Compass customer service revealed that the payment address had changed since the last time I made a payment almost a year ago. However, Compass still had access to that PO Box . It was also brought to my attention that the credit card # was incorrect on the check that was sent through bill pay. The check had not been endorsed and was not sent back to the credit union. Over the course of almost two months I have talked to numerous agents trying to locate the payment. I was finally advised to send over a good faith letter from my credit union so that it could be researched and applied to my account. I faxed over the 1st letter and when I called back they could not located it. I have confirmation that it went through on XX/XX/XXXX. I sent a 2nd fax while on the phone with the customer service floor manager ( XXXX at extension XXXX ) and he received it. I had left 2 different messages after this to check the status with the customer service floor manager ( XXXX ) and he did not return my call. While waiting for this process to become complete, I was charged a late fee in the amount of {$10.00}, a late fee of {$15.00} and interest in the amount of {$2.00}. My credit limit was also decreased from {$18000.00} to {$500.00}. This decrease affected my credit score as well. I was advised during this process that once they approved the letter, everything would be credited back and my credit limit would be restored. No one ever tried to make contact back with me by phone to advise me on the status of this issue. I did however received mail correspondence in regard to my payment being late. However, I was under the impression that once they located the payment everything would be alright. On XX/XX/XXXX I contacted XXXX again and was advised at this time that my " Good faith letter '' was denied and that my payment was due. I told him that I would put a stop payment on the {$48.00} I had sent back in XXXX and make the payment again. I asked him if it would be possible to waive the late fees since I had been trying to get the matter resolved. He was very stern in his speaking when he told me " NO '' and that is the final decision. All I owed them was {$48.00}. I have heard of other people 's late fees being waived when they just over look making the payment. My payment was either lost in the mail or mishandled at Compass Bank and their representatives denied waiving the late fees for a long time customer.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC (IL)

I am a victim of identity theft. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on accoun # XXXX and that you take all appropriate steps to remove information about this account from my credit files immediately. Your company has been notified on numerous occasions that the above referenced account is a result of Identity Theft as well your company has received multiple FTC Identity Theft reports referencing acct # XXXX.The Notices your company received also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

If your company, BEST EGG, fails to comply with federal regulations you will be required to appear in a court venue local to me, in order to formally defend yourself. I have already filed a complaint with the Consumer Finance Protection Bureau ( XXXX and the Attorney Generals office ( XXXX ). 
Failure to respond satisfactorily regarding this matter will force me to move forward with legal action against your company to the full extent of the law and I will sue for the maximum amount allowed in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Theft/Fraud 3. ) Violation of the Fair Credit Reporting Act