davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (MI)

I had opened a new credit Card with Avant and did not receive any statements until XX/XX/2021. After receiving that statement I saw the I had missed my initial payment that should have been in XXXX however I never received an invoice by email, usps mail, or a phone call abut the payment. I was shocked and in tears. It also reported my account at a high balance because of the late charges they tacked onto my account. I immediatly made a payment and followed up with a phone call. 

The first two times I called the individuals both were able to hear me when I stated who I was but as soon as I let them know why I was calling they no longer could " hear me. So I tried a third time. This time I waited until I knew the person could for sure hear me before I explained my issue with what they reported on my credit. 

The lady was rude and unwilling to remedy the situation. She said it was not their issue that I didn't receive an initial statement. I asked what we could do to remove this from my account and explained how I made the payment as soon as I received the statement. She said they were not able to do that. I let her know that companies are able to remove items from credit if reported falsely or unfairly which in this case was true. She said it was their, the companies, policy not to do that. I asked for a copy of the companies policy where it states that and she could and would not show me documentation. As well as showing no documentation that a statement or phone call was ever made to me prior to them charging my account and reporting to the credit agencies. I also explained that I have been under much more stress lately taking care of my in-laws who are unable to leave the house due to mobility issues. I pick up groceries, prescriptions, mail, ect ... So I understand that I should have been suspicious that I didn't receive a statement in XXXX. However, with everything going on with them and myself. Not to mention the pandemic it was not on my list to keep track of the account receivable for this company. I did my VERY best to communicate with them and was shut with a door in the face ... 

I have worked extremely hard to take my credit back and because of their mistakes my score dropped 70 points! I am even now in tears writing this. All of the other accounts I have are paid 100 % on time and never over the high limit. 

I need help to get this company to be fair and true to my credit. I feel like they are taking advantage of individuals by not providing statements and then charging fees and negatively reporting.
Consumer complaint received 2021-05-06
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. (VA)

XXXX, Experian and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if XXXX, XXXX and experian update my new credit info, it might be helpful for XXXX XXXX veteran and children. FICO XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (OH)

On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named Security Credit Services at XXXX. I contacted Security Credit Services ( representative name is XXXX ) on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to XXXX XXXX XXXX. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called XXXX XXXX XXXX and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (VA)

XXXX, XXXX and Equifax did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My XXXX score is XXXX right now today, if XXXX, equifax and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Consumer complaint received 2020-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

In XXXX, our mortgage lender was noted as XXXX XXXX. On XXXX I made digital payment of {$2800.00} to XXXX XXXX via my Bank. During that same time, my payment was not properly transferred and get reported by the then new owning mortgage company DiTech Financial. 

As a result, I was informed by DiTech that I was in default of 30 days for not paying my loan. XXXX, I made 2 payments for {$5600.00} and shared my grievance for paying 2x. The call support agent filed a case but no action was taken to resolve the discrepancy in payment and accounting on their end. 

As of XXXX, my credit reports have been negatively effected by 2 credit unions as a result of this issue and I am in the process of buying a new home and would like assistance to correct this issue and receive a refund of the additional payment that was made that I never received back from DiTech. 

I have bank statements of all payments made as evidence of my account status. 

Best, XXXX XXXX XXXX : XXXX T : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX
Consumer complaint received 2021-05-06
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. (OH)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (KY)

Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
Consumer complaint received 2022-10-11
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)

This is my XXXX endeavor to tell EXPERIAN CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.
Consumer complaint received 2017-12-20
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. (MO)

I have several inquiries on my credit report with Equifax that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from them stating ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. Equifax : XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX  XXXX XXXX/XXXX/XXXX. I did not authorize these inquiries with any of the above listed companies on or around these dates. Thank You for your time.
Consumer complaint received 2017-11-28
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. (GA)

I submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (UT)

As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX 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 ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (AZ)

DISCOVER BANK HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2020-10-24
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. (MI)

it has been over 45 days since i have sent transunion a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from transunion regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Consumer complaint received 2019-08-18
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. (IL)

I purchased items from XXXX. I returned them in three days. I charged them using a XXXX credit card. XXXX went me bill anyway and it was sent to the wrong address. They charged me late charges and stated that I owed $XXXX. I paid the alleged $XXXX and have not used the card since  I made the purchase in XX/XX/2019. They reported a late payment inXX/XX/2019. I had never received a bill because XXXX   had sent the incorrect invoice to the wrong address
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America offered a {$300.00} bonus if requirements were met. They have refused to issue the {$300.00} bonus and i have spent hours on the phone with them.I have met the requirements and have gotten nowhere. Terrible company ... AVOID AVOID Account was opened XXXX 2020 ... I have direct deposited the {$4000.00} as the promotion stated and maintained it. I have my bank statements for proof if needed.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from PRESSLER , FELT & WARSHAW , LLP trying to collect on an alleged debt with XXXX XXXX XXXX XXXX XXXX that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2023-03-29
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. (GA)

I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, XXXX, EXPERIAN CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.