davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I was negatively affected by the XXXX data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( Experian, XXXX  and XXXX ) from charging the public to undo the harm to the average citizen 's credit they cause.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (CO)

Kikoff lending is a scam company that offers to fix your credit with a nonexistent loan they report that you are paying on a loan that does not exist it sounded shady so I didn't finish the process nor did I validate my email address to show any further interest but it seems as though they had enough information to proceed without my consent I called and the number was nonexistent
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consolidated Recovery Group, LLC (KS)

The credit report dated XXXX XXXX, XXXX provided by XXXX showed Consolidated Recovery for two accounts showing on my XXXX report. Those accounts numbers were account # XXXX and XXXX. As of XXXX XXXX XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XXXX/XXXX/XXXX. This means that XXXX/XXXX/XXXX would be the correct Date of First Delinquency. As of XXXX/XXXX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. Consolidated Recovery, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XXXX. From XXXX until the time that I filed the dispute with the credit bureaus in XXXX XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from Consolidated Recovery. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XXXX. They are reporting a date in XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent XXXX so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually Consolidated Recovery that is reporting the accounts to XXXX
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) 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. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) 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 or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Copper Lake Financial, LLC (AZ)

On my XXXX and XXXX report my account with Copper Lake Financial shows a XXXX balance and account closed. It shows as open with an {$8000.00} balance on my XXXX report. The same holds true for my husband. I initiated a dispute to have this corrected on my XXXX credit report and Copper Lake Financial reported back that the account was accurate and would remain the same. This needs to be fixed to reflect consistent with XXXX and XXXX.
Consumer complaint received 2017-06-28
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: ENCORE CAPITAL GROUP INC. (FL)

Apparently, this company REFUSES TO REMOVE THE DISPUTE REMARKS, AND TAKE MY PAYMENT!!!!!! THEY HAVE DIRECTED ME COUNTLESS TIMES FROM ONE PHONE AGENT TO THE NEXT!!!! THEY SEND ME COUNTLESS COLLECTION LETTERS, YET, THEY DO N'T WANT TO RESOLVE THE ISSUE/TAKE A PAYMENT, BECAUSE THEY KNOW IT RUINS MY CREDIT AND IN TURN, MAKES IT DIFFICULT FOR ME TO OBTAIN A MORTGAGE!!!!! I 'M TRYING TO CLOSE ON MY HOME, AND THEY 'VE MADE IT DIFFUCULT DELIBERATLEY!!!!!!
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX, a security freeze was placed on my Equifax credit file at my request. The security freeze was indicated in my credit report when I accessed it in XXXX and XXXX. When I accessed it recently, in XXXX XXXX, the security freeze was no longer indicated. This is an error I never requested nor initiated removal of the security freeze. 

On XXXX XXXX, XXXX, I wrote to Equifax describing the error and requesting that the security freeze be reinstated. They replied on XXXX XXXX, XXXX, treating my letter as a new request for a security freeze and saying they could not act on the request without additional information -- information which was included in the documents attached to my letter. 

Copies of my letter XXXX with attached documents XXXX and Equifax 's response are attached to this complaint.
Consumer complaint received 2022-09-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2017-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( 1 ) XXXX XXXX XXXX XXXX, XXXX TX.XXXX ( 2 ) XXXX XXXX XXXX XXXX , AK XXXX. 
( 3 ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened Bank of America account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with Bank of America.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and bank of america with ref # XXXX. I contacted XXXX and Bank of America disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX  XXXX XXXX ignored my fraud claims. XXXX XXXX XXXX reinserted an account and failed to notify me within 5 business in accordance with FCRA. It is XX/XX/XXXX and neither XXXX XXXX XXXX  nor Experian has yet to inform me and the reinsertion occurred in XXXX XXXX I attempted to dispute this but Experian refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XXXX XXXX XXXXnd XX/XX/ from unemployment card which was serviced by XXXX  XXXX XXXX. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. XXXX  XXXX XXXX handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ME)

I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.
Consumer complaint received 2024-01-17
Product: Credit reporting 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 XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXX For reporting fictitious allegations and fraudulent debt Also I have informed XXXX /Experian and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no response!
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

Hello, Navient is the XXXX XXXX provider. I have a number of complaints about them. They do n't keep accurate records applied loans. Also, during the auto debit action they seem to change the amount on individual loans when it suits them. Very difficult to get a straight answer.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AL)

So I have been in contact with this company. Even went to court about this which was against the law. They are not XXXX XXXX compliant. They are in violation of 15 USC 1681b, 15 USC 1681e ( b ), and 15 USC 1681. This was paid in court.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America XXXX XXXX XXXX Vice President XXXX XXXX continues in her crusade to cause irreparable damage as CFPB stands by and allows the injurious behavior to mount. In addition to denying me fraud protection today XXXX XXXX sabatoged my debit card and did potential damage to my XXXX USD cell phone in the processs. 

While it is difficult to determine whether its simple stupidity or sophisticated manipulation XXXX XXXX is clearly in above her head. Assigned as my day to day contact initially she the quickly moved to get control of my personal finances and then after being denied that access she essentially abandoned me and her fiduciary responsibilities. She is on the verge of facing an investigation into her banking practices in her home state of Florida as this is being written. 

Given her stonewalling and protection of at least XXXX abusive BOA employee XXXX XXXX is setting herself up for quite a judgement day and I therefore again before she does anymore damage to me or her other potential victims I urge the CFPB to open up an investigation in to what exactly is her angle. Thank you.
Consumer complaint received 2017-10-19
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: Santander Consumer USA Holdings Inc. (FL)

I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I recently submitted disputes letters to Experian, XXXX and XXXX XXXX like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.
Consumer complaint received 2020-07-12
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. (OR)

I recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - XXXX.