davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (MI)

This company full of crooks claim I was late at the end of my loan, to keep my credit bad so I have to keep getting loans with companies like them. I submitted a dispute with the credit agencies and the retaliated against my credit even more.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just noticed that Transunion was deducting {$19.00} per month from my bank account. I never authorized this. I called and they said I had ordered credit monitoring in XXXX of XXXX. I never did. I simply asked for a temporary lift on my credit freeze and then to re-freeze. They said that I had ordered it but I am sure I did not and I never received any documentation from them about " credit monitoring ''. So from XX/XX/XXXX through XXXX of XXXX has Transunion has deducted {$19.00} from my bank account. They owe me {$190.00}
Consumer complaint received 2018-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I called Pennymac last month to ask what options I had regarding not being able to afford my whole payment for XXXX. I was told I could pay {$500.00} and make up the rest next month. I was told that because I am under BK protection this plan of action " would not affect me in any way ''. This was not true as I was charged about {$800.00} in late fees and interest. Furthermore, the statement I received os incredibly deceitful. It shows no late fees or interest and gives no information on the charges I was told would not happen.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

to whom it may concern : Under federal law any collection company must posses : a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NY)

Every 4 months my account is eligible for 1 month of no-payment, every time I apply they gave me extra balance, besides, they lie to me on the phone : 10 days ago I called and applied for an extension, a person on the phone pronounced that extension has been granted and there is nothing due on XX/XX/2020 but balance was not moved anywhere, I believe they steal money from me and make sure my account has additional charges it is totally ridiculous! I just called them today on XX/XX/2020 and a person requested {$50.00} for an extension stating that it is a company policy I never paid {$50.00} before????? They are truly stealing money from people and I feel really bad for them and for their CEO XXXX XXXX. I'm asking you to please investigate their company because I go with what they said, they stated to me on a recorded line extension has been granted so I wan na see that, the fact that their associates barely speak English and don't know their job totally on XXXX XXXX!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my student loans Please see the following accounts below : US. Dept of Education account # XXXX - Balance - {$8.00} - Status- ( Paid ) U.S. Dept of Education account # XXXX - Balance - {$2.00} - Status - ( Paid ) US XXXX Dept of Education account # XXXX - Balance - {$12.00} - Status - ( Paid ) U.S. Dept of Education account # XXXX -Balance - {$2.00} - status ( Paid ) There are three other student loans where are reporting inaccuracies as well.

Please see supporting documents
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed XXXX {$900.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a payment more than required in my 2 credit cards because I have to travel over seas for long business trip they have send the money back by cheques that I never received and Bank of America has got these cheques back I did not know any thing about these cheques more over they got these cheques back witch are more than enough to cover any annual fees but the charged me for renewal fee and refused to deduct the renewal fees from my money they already have it more over the add penalty for not paying the renewal fee although it cover that renewal and more!! 
I have called them while I was in XXXX and spoke with XXXX XXXX all what she wanted to find a way to send the money again to any address instead of use it to cover renewal fees. They reported me and screwed my credit score which is very important to me Also they refused to transfer the money to my account in other bank!!!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-03-10
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: NCB Management Services Inc. (PA)

I recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of NCB Management Services has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name XXXX XXXX XXXX was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.
Consumer complaint received 2018-08-21
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: Equidata, Inc. (NC)

On XX/XX/XXXX, I sent an investigation request to XXXX and XXXX XXXX. Over 30 days have past, and they have yet to respond.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (NC)

Pre employment company requested my background check. The crime was committed in XXXX but what First Advantage is showing is XXXX which is when I served time not when the crime was committed. The way First Advantage is displaying my background is showing that date as XX/XX/XXXX which gives the company the thought that the crime was committed in XXXX which is false. This needs to be clearly stated as to when the crime was committed verses when time was served.
Consumer complaint received 2018-08-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Consumer complaint received 2018-08-21
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. (IL)

XXXX exprian I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

I have a hard inquiry on my credit file, I did not permit this, or know what it is about. I have tried contacting them, but they tell me to contact XXXX XXXX, and then they keep running me back and forth
Consumer complaint received 2018-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WI)

I have been owed a {$2400.00} refund for an overpayment to XXXX, when I refinanced my loan with XXXX. XXXX has known about this since XXXX when they were paid in full by my new loan handler. I have filed a formal complaint with the XXXX XXXX XXXX and after a month, they just filed my complaint as " unresolved. ( Unresolved complaint filed with XXXX, ID # XXXX ) The XXXX have been unable to obtain my refund. XXXX suggested I contact your organization to look into this. I have been getting the same, nonsensical lack of information from XXXX since XXXX when I discussed with them that the instructions I followed for refinancing with XXXX would result in a large overpayment. They told me originally don't worry as it will be refunded ASAP. It has now been more than 4 months since XXXX received a payoff amount from XXXX and XXXX has not refunded the money to me or to XXXX. Should I file a lawsuit? A police report for theft?? Please advise. 
XXXX XXXX
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, XXXX, and experian. 

Attached proof of removals and disputes
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (RI)

XXXX XXXX XXXX is listed as having been affiliated with Navient ( who is currently subject to a massive law suit ). Also XXXX is listed as having lost its contract with the government as far back as XX/XX/2015. This company is still attempting to collect and harrass borrowers and is attempting to collect undetailed and undisclosed fees that amount to either the loan amount, a third of a total alleged loan amount, or more. There are no break downs. There are no details of origination. There are no copies of assignments, sales, illicit mergers with private loan entities or any other information other than amounts demanded.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX and Equifax alike has allowed XXXX XXXXXXXX XXXX to insert a derogatory entry on my credit report and this company did NOT provide any type of notice nor dunning letter to me. By not providing me a dunning letter, XXXX XXXX XXXX blatantly forfeited my rights under the FCRA as well as in their reporting under the FDCPA. I have never did any business with XXXX XXXXXXXX XXXX. For this alleged debt, XXXX XXXXXXXX XXXX needs to provide a copy of the financial responsibility page as well as an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date and complete accounting of alleged debt -- -All items I would have requested had they provided me a dunning letter that afforded me 30 days to dispute the validity of this account entry prior to forcefully and illegally inserting it on my credit reports. 

Additionally, there are other inaccuracies to duly note : XXXX reflects a past due balance whereas Equifax does not ( Inaccuracy ) XXXX reflects an open date of XX/XX/XXXX and Equifax reflects XX/XX/XXXX ( Inaccuracy ) XXXX reflect terms of 1 month and Equifax reflects nothing ( Inaccuracy ) Equifax notes this is a medical debt and XXXX notes nothing ( Inaccuracy ) XXXX reflects a payment history of Negative for XX/XX/XXXX and there is no payment history reflected on Equifax ( Inaccuracy ) The FCRA establishes that any entry on my credit report should be 100 % accurate, verifiable and timely. The aforementioned errors prove that they are not reporting this entry accurately and too they infringed on my rights by reporting/inserting this derogatory entry without following the law.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet Capital One would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called Capital One to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and Capital One would add my Bank to our call and verify that the payment had been cleared. However, Capital One would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called Capital One and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a Capital One debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. Capital One has placed fraudulent charges on my credit report that I do not owe.