davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my Capital One Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-03
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. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (TX)

I have requested my credit report 3 times from CoreLogic at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On the third time, I sent the letter certified. 

I included all the relevant information to find my credit report, including my full name, address, social security, one form of identification and one form of proof of address. 

I still do not have my report.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.
Consumer complaint received 2021-10-22
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. (NY)

I applied for a mortgage via XXXX XXXX XXXX two days ago, I was denied, fine, and today they pulled my Experian report but it was typed in differently, instead of all caps, instead of, XXXX XXXX, it was XXXX XXXX, I have not resubmitted the application and it is pulling my score down with unauthorized inquiries.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX 's account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Got approved for a 2-month forbearance after hurricane Harvey in XX/XX/XXXX. 
Loan servicer tried to add 10 months to the back of the loans, instead of just the two. They lower my payment by almost one dollar. This was after a 3-month successful trial period, in XX/XX/XXXX. It took them 5 months to resend me the loan modification documents. 
Collection calls begin in XX/XX/XXXX. Signed revised modification agreement in XXXX XXXX Letters start to arrive in the mail threatening foreclosure in XX/XX/XXXX. 
After being refuted on their claims, because not a single payment was missed the entire time, except for the forbearance ones, company backs off and stops collection threats. in XX/XX/XXXX, servicer sends another loan agreement for me to sign, and just like the one in XXXX, it adds 10 months to loan. This time, payments are lower, but the numbers are still way off. The financials are very murky and not solved as of XX/XX/XXXX. 
I have no trust in this companys ability to handle my loan accurately and with integrity. 
The name of the servicer is XXXX XXXX.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (VA)

I received my credit report from Equifax on XX/XX/2021 with unauthorized accounts still showing on my report after several letters have been mailed to you!! I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX false altered bill? 
If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. 

This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from TransUnion and I did not receive a response from XXXX or XXXX at all. When I did receive a response from TransUnion, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or TransUnion but one from XXXX another 2 months later stating the same thing TransUnion stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX Clerks office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX 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
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (NC)

I have never received any communication from the debts from Healthcare Receivables that are reporting on my credit report. Per government statue medical collections are given a 6 month window before the post a collection on your account. I would of paid the collection for {$120.00} and the other on that is for {$160.00}. It amazes me that doing the time of Covid that companies will have such illegal debt practices. I contacted the original creditor and my account was billed to insurance and covered, so why the need to collect? I'm submitting this complaint against HEALTHCARE RECEIVABLES GROUP due to their total disrespect for my consumer rights under the FCRA/FCBA/FDCPA. I've been disputing incorrect and unverifiable information and requested intimate information about the suspected account, including a copy of an agreement with my signature on it, but I have yet to receive anything.They refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. My life has been completely ruined by this as I am in the process of getting a mortgage. I need help as I have had enough of their stalling tactics. I hope to get a positive response soon.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Clark County Collection Service (NV)

Clark County Collection Services ( CC COLL SVC ) is still reporting a collection to my XXXX  report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called CC COLL SVC on XX/XX/XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old. 

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my XXXX  report as it older than 7 years and should have been removed by now,
Consumer complaint received 2021-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC takeover of BBVA compass bank is a total disaster. The switchover was XX/XX/XXXX and to date accounts are mot showing up, bank employees unable to help, phones not answered. PNC rushed to switch all of BBVA account to PNC and really screwed up badly. We can't get an answer of when they will fix the problems.
Consumer complaint received 2021-06-02
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. (MD)

The credit reporting agencies XXXX  and Experian are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 I went to make a purchase and my citibank credit card was declined. I contacted Citibank thinking it was a fraud situation only discover they closed my account. I have had this account for 22 years and never had an issue other fraudulent activity that caused the account to change numbers. I called the company and they could neither tell me what caused my account to close nor why I was not provided with advance warning. I also came to learn they cancelled my other citibank credit card had also been cancelled. I elevated the call twice but no one would assist me. This is my oldest account and because of it's closure will surely cause my credit score to go down from where I have it. Credit card companies should provide advance notice of the closure and/or an explanation. This was not only improper business tactics but also improper given the federal dollars given to bail them out. Furthermore, this bank, and all other banks, should be required to send information to the credit bureaus to prevent impacts to a credit score when they provide no explanation for the closure knowing the impact it will have.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (PA)

These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
Consumer complaint received 2022-04-28
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to notify Equifax, XXXX  and XXXX  that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX  due to my 100 % XXXX VA rating in XXXX and XXXX of 2020
Consumer complaint received 2022-01-10
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. (MO)

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 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX due to my 100 % XXXX VA rating in XXXX and XXXX of 2020
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (VA)

have contacted AARGONbefore via phone/certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not invoice that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them. This medical bill was paid by insurance to original provider .I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX  XXXX from AARGON for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that XXXX XXXX mailed as explained in the letter that was mailed.Therefore if XXXX XXXX can not validate 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 it must be removed.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (FL)

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 accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2022-04-28
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I have a mortgage with Chase Bank that escrows my real estate taxes and insurance. I have never missed a payment. Yet Chase Bank is now almost 1 year overdue for my real estate taxes. Despite 7 calls with Chase Bank and 3 with the prior mortgage company ( XXXX ) whom they bought the loan from, my XX/XX/2021 and XX/XX/2021 real estate taxes have not been paid. 

What is one to do? Despite them confirming on what is claimed to be a recorded call, me taking names of people and case # XXXX, the taxes still go paid. I now have the City of XXXX putting a lien on my house. How is this possible? I never miss a payment. I send the money for them to pay. They don't pay it. Hold my money hostage. And I get the lien? This is absurd! What is the recourse to the bank? Is there a fine? Can they be sued? Why am I being punished for something I don't control?!? 

Help!