davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

The Experian is indicating an 'unscorable ' rather than a ( n ) usable credit score, fix please.

I verified with Experian providing my Oregon State ID, Social Security Card and XXXX XXXX XXXX  Statement. 
I want Experian to indicate the accurate credit score for my usage. The XXXX XXXX XXXX is scheduled to erase and delete on XX/XX/XXXX of 2023 noted on my Experian membership. I spoke with Experian multiple times and received an agreement of the XX/XX/XXXX deletion date. In addition all hard inquiries erased. I spoke with the student loan XXXX that stated the student loan amounts are sent to the three credit bureaus monthly. The XXXX and XXXX are both showing the {$95000.00} account balance with verifiable credit score. 
Fix and indicate the score with the hard inquiries removed and collection removed with Dept of Education XXXX amount and balance to be indicated on my Experian account immediately with previous data of in good standing previous student loans Immediate. 
XXXX : XXXX. 
Address ( es ) :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a collection notice dated XX/XX/2021 for the amount of {$420.00} with a debt collector I have no written or verbal contract with. I have found them in violation of the following codes ; 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( B ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ), 15 USC 1692g ( 5 ).
Consumer complaint received 2018-11-23
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)

It is very clear that Experian and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (KS)

I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. 

Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Back in XX/XX/2019, I received a collection bill of {$210.00}. It was from a collection agency located in XXXX, Giorgia. According to them, the bill was from XXXX a company for which I am still a client. I contacted them via certified mail in order to confirm and prove that the account was not mine. The tracking number is XXXX ( copy of the letter is attached below ). I waited for them and after the holiday I received noticed that my credit score had come down more than 100 points. I started the dispute process just to find out that the amount was confirmed without giving me any details of the debt. I was successful to dispute the debt with XXXX  and the account/debt was deleted but not with XXXX  and XXXX. Please help me solve this issue that it is affecting my financial well-being.
Consumer complaint received 2018-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

My car was repossessed and I called my insurance to cancel my auto insurance. They did not cancel my policy and apparently continued to bill me. I never received any notice or bill from XXXX stating that they were still charging my policy until the collections notice appeared on my credit report. The charges should be removed and are invalid. I did not have possession of the car and I had already called XXXX to cancel my policy.
Consumer complaint received 2021-09-13
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-08-27
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. (GA)

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello. I hope you can help me. My wages from my new job are being garnished by Midland Funding, LLC since XX/XX/2019 until now ( XX/XX/2019 ) without any written notice or warning from Midland Funding, LLC. I Literally found out my wages are being garnished by accident after contacting my job 's payroll department on XX/XX/2019. My employer did not even inform me that my wages were being garnished for 2 months, until I contacted them because I receive my pay via direct deposit with no pay stubs mailed to me ( I need to go online for my pay stubs ). They are garnishing my wages {$74.00} weekly since XX/XX/2019. 

I read online that if a debt collection company does not inform the person they are collecting the debt from, that is illegal and violates the Fair Debt Collection Practices ACT. 
Please help me regarding this matter. I am finally struggling already and just started my new job a few months ago? Thank you
Consumer complaint received 2019-08-28
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-12-24
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)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2019-08-27
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. (NC)

All three major credit bureaus XXXX, Transunion and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make XXXX of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I WOULD LIKE THIS ITEM REMOVED FROM MY REPORT. I HAVE ALREADY DISPUTED THE ITEM AND THE BUREAU HAS FAILED TO REMOVE THE ITEM IT NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

XXXX XXXX  was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed Chapter XXXX ****
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX and the Original creditor : XXXX XXXX in the amount of {$1100.00}. I was in an XXXX  marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXXes due to the ongoing XXXX. I finally came forward about the XXXX  and the XXXX  put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just started a new job, and now i am trying to get approved for my home. I am requesting to settle this debt with {$500.00} and deletion of this debt when paid in full. I need to start over successfully with my kids as a XXXX mom.
Consumer complaint received 2018-03-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. 

In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. 

On XX/XX/XXXX, my loan transferred to Carrington Mortgage. 

In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. 

In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. 

They are refusing to process my request for loan modification and have now sent my loan to foreclosure. 

I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. 

It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. 

I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. 

This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.
Consumer complaint received 2018-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had a capitol one account for over 20 yrs as a matter of fact I have had 2 capitol one accounts for over 20 yrs. one with a credit line of XXXX and the other with a line of XXXX. I have not missed a payment in that time that I can remember nor does my credit bureau show a payment ever being 30 days past due. yet they claim to have made a business decision to close both accounts. I think they have the right to do that but they will cause harm to me by reporting it to the credit bureau. when I think they closed it because I turn XXXX on XXXX XXXX because I have paid them hundreds of thousand of dollars in the past. yet when I ask to speak to the person in charge they hung the phone up. they say it was being recorded which would be a good thing. I think there is more to this than they are telling me. I will do what ever is necessary to make sure this does not happen to anyone else as a matter it would me nice to know how many card holders they have closed with the payment history like mine.
Consumer complaint received 2018-11-23
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: NAVY FEDERAL CREDIT UNION (GA)

XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-23
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: AES/PHEAA (GA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with XXXX XXXX  aka XXXX XXXX. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the XXXX XXXX acct. from XXXX XXXX. I was not notify by Portfolio Recovery Associates that they bought this account. Instead XXXX XXXX  notify me by a letter sent snail mail dated as of XX/XX/XXXX.  I now dispute the debt & sell. I could have used a debt management company to resolve the matter with XXXX XXXX. They used under handed means to get me to default on the account in the first place by lowering my XXXX XXXX line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.