davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: CAINE & WEINER COMPANY, INC. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,
Consumer complaint received 2021-10-11
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. (FL)

The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MS)

We tried to get a XXXX XXXX XXXX credit card but received notice that we were denied. Now XXXX  XXXX XXXX says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from XXXX XXXXXXXX XXXX except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to you.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX and equifax both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX XXXX XXXX was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. XXXX   hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or XXXX and equifx. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray XXXX equifax and XXXX recognizes the urgency in fixing these errors.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

Capio Partners reported on XX/XX/XXXX  a fraudulent debt on XXXX XXXX XXXX in the amount of {$900.00}. I have no idea whos debt it is after reading further it states XX/XX/ A Charge or debt was placed on my credit. Again I have no knowledge of the debt and would like to dispute the debt and have it removed immediately. According to the fair credit reporting act inXXXX we as citizens in the United States have a chance to verify and dispute any debt we fee ; we incurred. I take my credit seriously its is a XXXX XXXX XXXX and would like to continue in the right direction with no fraudulent distractions. My address is XXXX XXXX XXXX XXXX XXXX Florida apartment XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom This May Concern, I currently have an account with Transunion where I used to be able to place and remove freezes, file disputes and do other maintenance. However, about 6 months ago, I became unable to get into the account and initiate any of these activities. There seems to be some sort of error or glitch which is preventing me from freezing my credit, accessing my XXXX XXXX XXXX ( via XXXX ), and making disputes online.

I called multiple times and spoke with numerous representatives. Each diagnosed a different problem and claimed that it had been corrected. After a few weeks I finally gave up. I've spent countless hours trying to correct this.

Tonight I tried once again to get in, hoping that whatever issues that once were have somehow magically been resolved. Unfortunately, nothing has changed.

At this point I do not know how to proceed. I am hoping this message reaches the appropriate department who can review the issue and correct it.
Consumer complaint received 2018-04-14
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: EQUIFAX, INC. (TX)

Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Consumer complaint received 2018-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit report from TransUnion through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are two XXXX  XXXX XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my credit report.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through XXXX. I am divorced and in college trying to rebuild my life.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NY)

Rent Recovery Solutions Disputing a collection amount of {$160.00}, original lender is the XXXXXXXX XXXX XXXX XXXX  The Collection agency is Rent Recovery Solutions. 
Disputed charges with XXXX on XX/XX/XXXX and called Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX. 

The XXXX XXXX XXXX XXXX told me that they would call the Collection agency to get the account removed since I never lived at the location.
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (MN)

I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. 

During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement.

for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date.

Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. 

More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? 

Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? 

I am attaching all emails, and documents they have provided me.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assurance Professionals LLC (MS)

My credit have been drastically affected by a debt that I am not responsible for. Received a letter XX/XX/XXXX stating I had a balance. In XX/XX/XXXX I notified them of a court order where I was only responsible for 50 percent of the kids medical bills and any bills occurred during marriage They still continued to contact me constantly. I was never notified of pending balance before collections. I requested validation and they sent another bill and failed to follow FDCPA laws I paid over half of the bill to XXXX which I was not responsible for while waiting validation. XX/XX/XXXX I received another collection bill addressed now to my ex husband who is responsible and I sent info on how o contact him for this bill he is responsible for. This is now unfair harassment, failure to follow court order, failure to follow FDCPA.
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo bank currently has a case for fraudulent activity. Loan in XXXX. This loan had a higher than normal fees. Mortgages were modified without permission. In 13 years the balance on this mortgage did not budge, I believe there was some illegal activity with this mortgage loan.
Consumer complaint received 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

An account with Capital One was opened in my name on XX/XX/XXXX. The account was opened as fraud. Per conversation with the Capital one, the rep said the account could have been opened under my social security number as a authorized user. The account was also opened in Florida. I've only ever lived in Georgia. Also, whoever opened the account used a Florida address and that is also on my credit report. I am a victim of fraud. Also another account was opened in my name on XX/XX/XXXX. I haven't created any accounts since opening my only credit card in XXXX.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

On XXXX/XXXX/XXXX I the consumer entered a consumer credit transaction with XXXX XXXX  XXXX XXXX XXXX and SANTANDER CONSUMER USA by extending my credit thought my credit card ending in XXXX. However after careful review of initial agreement the I realized that I was deceived as the agreement had no disclosure of the right of recession until the third business day according to chapter twelve of code federal regulations. On XX/XX/XXXX I notified SANTANDER CONSUMER USA by certified mail using the UNITED STATES POSTAL SERVICE to inform XXXX XXXX that the agreement had not mentioned a right of rescission and that I am rescinding the agreement. Between all parties involved in the agreement taking place as of XX/XX/XXXX. Since providing notices of the rescission XXXX XXXX has continued to report inaccurate and false information to XXXX, XXXX XXXX. 12 CFR subsection XXXX states that a consumer has a right to rescind if the creditor failed to disclose the right to rescind in the contract which happened and that the creditor Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX has not taken the necessary action to disclose to the credit bureaus that the obligation of the security interest has been terminated. XXXX XXXX of SANTANDER CONSUMER USA is affecting my ability to extend credit as the false and inaccurate information that is being reported has hindered my god given right a a creditor.
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I called my previous loan company on XX/XX/XXXX to get a payoff quote for my loan and was advised the loan was transferred to Select Portfolio Servicing , Inc ( account number XXXX ) on XX/XX/XXXX. I called Select Portfolio Servicing on XX/XX/XXXX and also tried to log in online unsuccessfully. I waited an additional day and tried again on XXXX. When I was not able to set up an online account so I could request a loan payoff, I called the company. I talked with a gentleman who said he was going to escalate the request to the payoff department and I should have a fax with the payoff amount and instructions to pay within 3-5 business days. I have been looking for the fax to come through since then. When I still did not receive it this morning, I called the company again. I was advised that my loan has STILL not transferred and that they would make a new request to get a payoff for my loan sent to me via fax. They did not give me any timeframe of when I would receive it, nor would they try to contact an individual to see if they could manually take care of this immediately. I spoke to representative XXXX and then supervisor XXXX today. 

My main issue is that I want to pay my loan off but am not able to. Each day that goes by, I am having to pay interest unnecessarily because I am waiting for the mortgage company to respond. I would like my payoff to reflect back to XX/XX/XXXX, which is when I would have paid my loan off ( assuming I had a payoff amount and wiring instructions ). I don't want to pay interest because my loan servicer can't figure out their paperwork. I feel that I am being trapped to keep this loan inforce and would like some assistance to get this resolved quickly. I have not received ANY documentation from the new loan servicer ( SPS ) to provide to you.
Consumer complaint received 2018-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Conn's, Inc. (TX)

they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.