davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be updated as soon as possible for they are making my score drop. 
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
Consumer complaint received 2019-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

Follow up to last complain XXXX, XXXX, XXXX. 
This is a follow up to complains mention above. 
The same people that I complain about in my complains above. I was ready to get in my car when a gray sedan ( license plate XXXX or XXXX ) speed up and park beside me. It was a intimidation tactics because that was in between to 2 handicap parking and the car didnt had a permit. 
The intimidation tactics are getting me very afraid I know is midland collections. I am reaching to the police. 
The intimidation tactics are not going stop so I am filing a police report
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CO)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX + XXXX XXXX XXXX + XXXX ONE MAIN + XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerley, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2023-03-20
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. (NY)

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$280000.00}
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (IL)

1. ) So XXXX last year I paid off a debt for infinity health care XXXX dollars. The collector is XXXX XXXX XXXX. They did say they reported it but it's still on my credit report XXXX. I filed a dispute but nothing is happening.

This is through credit karma 2. ) Next is XXXX  XXXX XXXX. Again XXXX last year I paid this debt XXXX dollars but still shows on my credit report, XXXX  I believe. 
This is on my XXXX XXXX report through XXXX XXXX.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX  - Experian - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to XXXX - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - Equifax XXXX XXXX XXXX XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Consumer complaint received 2023-03-20
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. (FL)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2019-10-08
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. (CA)

XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I pulled a copy of my credit report and noticed an account reporting as a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

It is as follows : Bank of America Account number : XXXX According to the IRS, this is tax fraud and I am not afraid to report the company for this. As is my right, I am demanding that they DELETE this reporting information from my credit report.
Consumer complaint received 2019-10-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ascendium Education Group (NY)

XXXX  XXXX XXXX XXXX XXXX, has not honored my cease and desist telephone communications requests. Several times in XX/XX/2019 specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by XXXX, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. XXXX collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing XXXX with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019 I again received several calls from a number that XXXX called from onXX/XX/2019. On the XX/XX/2019 call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, todayXX/XX/2019, XXXX sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if XXXX  was collecting on their behalf and the XXXX   representative said " no, '' which increased my suspicion of XXXX   XXXX began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress. 


I ask that all the calls connected to the account on which XXXX is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that XXXX  not call me ; - My communications with XXXX reps were abusive ; - XXXX reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - XXXX used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - XXXX may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
Consumer complaint received 2023-03-20
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. (FL)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2016 Balance : {$8500.00}
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jacob Law Group, PLLC (MS)

Dates : XX/XX/19,XX/XX/19 Amount : {$2100.00} ( an estimate ) Company : Jacob Law Group After receiving the first letter notifying me of the debt, I requested a verification letter. I received copies of bills paid previously. 

I reached out and advised I want to take care of the debt but am unable to pay the entire amount. 

XXXX asked Well how much do you have? And said with the sarcasm, So you dont have anything? 
Then asked if I received a court date knowing that I didnt have a court date for anything. ( Scare Tactic ) This place and their employees are a disgrace! A disgusting place.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our loan was sold to Specialized Loan Servicing from XXXX XXXX without notifying us of cancelling our auto payments or changes in our loan. We received a certified letter stating that we are in default of a loan to this company which we were unaware were our service provider. Out of desperation and fear of losing our home, we went through a trial modification process where we performed fully, and then we were told the rate would be 1 % higher than we were led to believe we would receive. Our credit has been damaged by reportings of default, We appealed for a second review to adjust the rate. We can't refinance due to bad credit, and they won't fix our credit. We are stuck because we cant refinance, and they are sticking us with a higher rate due which is not what we would have had if we were notified of the change. Our luck with SLS has not been good and they are inflexible and completely uncaring for what has happened to us. 

We did everything asked of us as our credit was being destroyed and SLS was not willing to be fair. We have attached the claimed correspondence we received from SLS. We never received notification from XXXX XXXX of the change, and notification form SLS was well into this process after it was too late to simply continue. We always worked hard to do everything in our power to keep our credit good. These 2 firms have destroyed our credit and finances. SLS has also refused to let us know who our loan is now owned by. I have asked many times
Consumer complaint received 2019-04-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had called XXXX IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from Bank of America. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from XXXX. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX-XXXX-XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. XXXX
Consumer complaint received 2017-05-26
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: Ability Recovery Services, LLC (OH)

I have sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB (TN)

For the past 3 weeks I have been trying to contact Klarna to no avail. Their phone number does not accept incoming calls and their chat never loads. My payment was due today and I can not pay it because my bank locked me out of my account and refuses to fix it. There is a class action against them as we speak over this. I have been trying to speak with Klarna and there is literarily no way to do so and now I am XXXX 

Also my number has changed and I have been unable to call due to my schedule.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (TX)

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 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2019-10-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My identity can not be verified through Experian. When my credit is pulled through said credit bureau my name, per anyone who attempts to pull my credit, comes up as unverifiable. I need help. I tried to apply for a card with XX/XX/XXXX and was denied because my name could not be verified. The company i work for uses Experian to verify us through another system that enables me to view consumers medicare information. If my name can not be verified I can lose my job. 
I called Experian and they sad there was no problem and I asked for a complaint department number or a supervisor and they said all they could do was send me a copy of my credit file and that there was nothing more they could do.
Consumer complaint received 2024-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

This is regarding a case I filed previously about US Bank. The case number was XXXX and your site started that it was closed. I submitted my feedback, but I want to follow it up with a new complaint until this matter is resolved. 
The US Bank issued a line of credit for {$190000.00} to XXXX individuals named, XXXX XXXX & XXXX XXXX in early 2023. These two individuals have no relations to me, but this loan appeared under my name and address. Since this wasn't a loan that I applied for, I reported it to US Bank as a fraud. This loan appears under my name and my address. After three months of investigation, their cookie cutter response was that there was no fraud and that I'd be responsible for this loan that wasn't even opened by me. They sent me the line of credit contract that is under XXXX XXXX XXXX XXXX XXXX with loan # XXXX and their response ( attached ) is that there is no fraud and that I'm responsible to pay off this loan. One of their representative told me that whatever issues I may have with my current loan company ( XXXX XXXX and if I wanted to clear this loan from my name, I should do it myself. The loan is not mine and I did not open it and I should not be responsible for it. US Bank should make sure all connections that I wrongfully have to this loan is cleared as soon as possible. I believe US Bank is acting on bad faith for holding me responsible for a loan that doesn't belong to me.