davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

During Covid when I was laid off I went into a forbearance period. After I was back to work I filled out all the paper work to have my loan modified. They received it in XX/XX/2021. Then I needed to resubmit a paper. I did so and now nothing is updating on their site. I can't get through to talk to anyone. They never reply to any emails that have been sent. I have an extension to a loss mitigation representative for my account but there is no where to put the extension in when you call. They were supposed to take an autopsy and it has not been withdrawn. When I call they act like I have done something wrong and are extremely rude. I do not want to lose my home due to not being able to make a payment and have my modification taken care of. Horrible customer service at all avenues.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A.R.M. Solutions, Inc. (NC)

I received a collection letter from ARM Solutions XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. The collection is on behalf of XXXX. 

Today, XX/XX/XXXX around XXXX XXXX I called ARM at XXXX. The agent briefly introduced himself, but later refused to state his full name. 

I stated that the goal of my call was to start a dispute. The agent refused to listen to me and refused to provide me with a way to initiate the dispute. He informed me that I have no rights to start a dispute and that I have to call the creditor directly. 

He tried to confuse me by stating that their action is not collection action. 

I request that an investigation into ARM practices be performed. I also request that this collection action be terminated due to unfair practices. 

Thank you XXXX XXXX
Consumer complaint received 2019-03-12
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. (NY)

XXXX XXXX it's on my credit and it's not mine. Tried to remove it and did with 2 other credit report company 's but experian will not. Its not fair. I want it removed from my credit. The other is XXXX/ XXXX. The other is XXXX XXXX/ XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TN)

2. The next complaint is XXXX XXXX College is reporting the same debt twice on my credit report from XXXX XXXX XXXX and Rentdebt Automated Collections. Both have the same amount owed and paid. XXXX XXXX XXXX is showing XX/XX/XXXX and Rentdebt is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.
Consumer complaint received 2021-02-17
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: Bread Financial Holdings, Inc. (CA)

I had an account with XXXX XXXX XXXX of Jewelers. My payments were auto drafted from my account. 
XXXX sold their accounts to Comenity Bank. I never received notice of this change. Because I did things electronically the notices may had gone to my spam account. 

I called Comenity Bank and they agreed to remove the late charge. They have not. 

The dates are : Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX I finally just paid the account in XX/XX/XXXX because I was having so many issues with electronic statements. 

COMENITYBANK/ XXXX XXXX XXXX  XXXX  XXXX  # XXXX Phone number not available
Consumer complaint received 2019-07-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A formal request for validation/documentation, was sent certified mail on XX/XX/2019. Received confirmation letter was received by Experian to process my request of inquiries. Since my initial request on XX/XX/2019 Experian has failed to initiate a response or furnish documents from each creditor. These inquires have not been validated and are inaccurately reporting on my credit report. 

Called into Experian to get this resolved, Experian refused to remove inquires or provide me reasons after I expressed it was a violation of my consumer rights with the FTC, FCRA. 

FCRA Section 609 states I have the legal right to request copies of the original application I " allegedly '' signed to validate such information.
Consumer complaint received 2021-05-10
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. (TX)

I have not had a late payment in over a year, actually closer to two years, I payoff an account, which you are supposed to do when credit is extended to any individual, and then my score goes down 11 points for doing so. This way to powerful system of credit reporting needs to abolished immediately. What kind of system punishes you for doing what you agreed to, and are supposed to to?
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one gave a pre-approval offer. Credit did not change, all details were verified but still came back as a decline, from what the agent said i should never had received an offer in the first place. This is in breach of firm offer of credit under FCRA. I provided verification of income and all other relevant details and my profile had not changed at all between the times. Misleading advertising and impossible to have received the offer. Hard inquiry placed based on misleading offer that was unachievable for me.
Consumer complaint received 2022-10-15
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. (VA)

I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Account # # # # # # # 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.
Consumer complaint received 2022-12-01
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. (FL)

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 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (IL)

I received a letter from Harvard Collection Services trying to collect a debt for Illinois Department of Human Services for a balance of XXXX. After I got of the phone with them I contact the Human Service and they told me they dont know anything about this debt and also I didnt receive anything stated that I owe the government and they also said they would take money from the stamps that I already received to cover the amount that they gave me until it is caught up. I also googled them and it says Temporary Closed and they only had 1.3 stars
Consumer complaint received 2023-02-10
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. (OH)

I contacted XXXX XXXX XX/XX/XXXX stating that a card was opened fraudulently in New Jersey but I live in Ohio. I gave them my police report. It was under investigation until XX/XX/XXXX to which they informed me that they are still holding me liable for this card as well as the charge of {$640.00}. I am appalled that the credit card company does not have the resources to review the case further and realize that it is geographically impossible for me to open a card in New Jersey if I live in Ohio.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-10-14
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)

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


XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a 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 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 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 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with no reason
Consumer complaint received 2022-03-28
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

XX/XX/2018 I purchased a home with Shellpoint mortgage service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.
Consumer complaint received 2022-10-14
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. (TX)

On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.