davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NV)

On XX/XX/XXXX, I was notified by XXXX, the credit reporting agency that a collection account was added to my file. Upon review of the information, National Credit Systems posted a collection account in the amount of {$500.00} via the original creditor, XXXX XXXX XXXX XXXX Further research revealed XXXX  XXXX XXXX XXXX was the insurance bond my husband and I purchased when we rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX from XX/XX/XXXX to XX/XX/XXXX. When we moved out of our apartments on XXXX XXXX, I was informed today XX/XX/XXXX that XXXX XXXX billed XXXX directly for painting, cleaning, and carpet cleaning fees totaling {$300.00}. We provided all our phone numbers, email, and forwarding addresses to XXXX XXXX  when we left. We also have mail forwarding set up. From XX/XX/XXXX until now, we never received any type of correspondence from XXXX  or XXXX XXXX  regarding such cleaning fees. XXXX did not try to reach out to me or my husband to try and collect the debt and decided to send us to collections which ultimately affected our credit we strive to work hard for. Additionally, XXXX is an all digital company for which you will not be able to speak to someone live to discuss the issue as we have tried to contact them via phone or email at XXXX and XXXX. Since we are unable to talk to anyone, we are unable to remove the negative information from our credit report
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP (IL)

This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.
Consumer complaint received 2018-09-26
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. (MA)

On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.
Consumer complaint received 2023-01-09
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. (DC)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 


XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NM)

On XX/XX/XXXX, someone tried to open an American Express credit card in my name. I got an email about it, as well as XXXX from XXXX about a hard inquiry on my credit. I did not open a credit card - the activity was XXXX
Consumer complaint received 2020-06-02
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. (CA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (OH)

I received a notice from Credit Corp Solutions for collection on a debt. I am requesting full debt validation. Please send me copies of the last 12 months of statements and accounting on balance said owed. I also would like a copy of notice of assignment from the following creditors ( XXXX and XXXX XXXX XXXX XXXX ). I would like a address and contact information for them also.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

The whole thing started when I filed for my tax return through XXXX XXXX and XXXX XXXXXXXX site would not allow me to use my bank account. The site prevented me from using my bank account and would not give me details why. I tried but gave up. Two days later, XXXX XXXX emailed me to complete my tax filling through a link. But because I trusted XXXX XXXXXXXX, I went on to complete the filling through XXXX XXXX. I was unaware that the link from XXXX XXXX will be used to get my tax refund into another account that will not be my original bank account but a different bank to start a new deal with them as a new card user. When I realized through the email sent to me on XX/XX/2020, I called the bank which I later came to understand as America express to stop payment because I never intended to use their card service ( which is a prepaid card ) but it was XXXX XXXX who link me to complete my tax return through it. The representative who responded to my call told me there was nothing to be done except I reach out to the IRS or better still XXXX XXXX to make the adjustment to stop the payment. I immediately contacted XXXX XXXX but never got a reply on this issue until about three weeks later when I got a reply from them pretending to be unaware of the development and I reechoed the same concern to them about my refund going into a prepaid card against my consent but XXXX XXXX never addressed it. Up till this day the card I received from the America express serve is not working and this issue has put me in a more frustrating level financially as I did not have source of income currently and only living from air to air. I am crushed! I wish I could file a law suit right away!
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I reached out to XXXX XXXX via certified mail requesting validation of debt on XX/XX/2018. I received no response from XXXX. I waited 30 days and sent out a failure to respond letter via certified mail. I still have not heard back from XXXX and they have not provided any validation the debt is mine. 

I do not owe this debt. Please provide the following to prove this is my debt : 1 : Please provide the original contract with my signature.

2 : Provide proof that you were hired/allowed by original creditor to collect on this alleged debt.

3 : Provide proof that XXXX is allowed to collect in the state of Louisiana. 

4 : How are you validating this debt is mine? I reached out to the original creditor to request a signed contract and they stated they don't have that kind of proof.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OH)

I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.
Consumer complaint received 2017-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Approximately XX/XX/XXXXmy son attended XXXX College. One of his loans which is a private loan through XXXX XXXX is under my name. Payments were automatically withdrawn from my account on a monthly basis. In XXXX I tried to get my account balance online but I was denied entry. I called XXXX XXXX with negative results everyone I spoke to had no information on a student loan I was paying every month. A representative at XXXX XXXX told me that my loan was with Navient but with recent research and bank statements it 's only clear that XXXX XXXX is the agency named on my bank statements in regards to monthly withdraws. Since I was unable to get any information on my student loan balance I decided to stop the monthly withdrawals XX/XX/XXXX from being taken from my account thinking that someone would contact me about my payments. Well it 's been a year and no one from XXXX XXXX has contacted me about a payment, I find this very odd and disturbing. I would like some information about my student loan account payments. Is there still a balance? If so why are n't they asking for payments? Has my account been satisfied? If so when was it satisfied and why was n't I informed? If I do n't receive any information about my account I will be forced to turn this matter over to my attorney.
Consumer complaint received 2017-11-03
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. (TN)

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX
Consumer complaint received 2019-11-05
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. (GA)

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : 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 Please remove these. I contacted FTC and local police immediately also.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: LEXISNEXIS (NV)

I filed Bankruptcy in XXXX of XXXX. LEXISNEXIS violated two important consumer rights. One 15 USC 16819 ( a ) ( 4 ) infringement of consumer rights to privacy. Congress made it clear that a consumer has a right to privacy. The second violation 15 USC ( a ) ( 2 ) LEXISNEXIS did not have a permissible purpose nor did they have my written instructions. Bankruptcy Court sent me a letter stating the do not report to credit reporting agencies. Also section 617 Civil liability for negligent non compliance. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure, and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On the finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith is subject to other fees. A certified letter will be sent to XXXX XXXX acting director of CFPB as well as my congressman.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-04-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (GA)

I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?