davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (NV)

I am writing this letter for the simple reasons that you are reporting erroneous fraudulent items on my credit history without my consent and incorrectly. I have already made an identity fraud report with the metropolitan police and Identitytheft.gov I want and hope they remove the fraudulent items below. 
Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posed them. 
Please removo any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. By thine provisions of the Fair Credit Reporting Act, I demand that these items be.
Consumer complaint received 2020-09-21
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. (CA)

I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Consumer complaint received 2020-12-02
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: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/2020, I reported to XXXX XXXX my dispute of inaccurate payment history information with XXXX. Also, I contacted and wrote, and mailed XXXX supporting documentation of my said claims ) to my mortgage company Branch Banking and Trust. BB & T credit reporting department representative reassured me that they reported my on time payments. On XXXX XXXX BB & T credit reporting department wrote me a letter stating they received correspondence of my dispute. On XX/XX/2020 I received a letter from BB & T Mortgage Credit Reporting Department stating that they investigated my dispute and determined the information is correct. A day later XX/XX/2020 my credit score decreased for a second time and it did not show any payment information for the months of XXXX and XX/XX/2020. On XX/XX/2020 I received by mail a letter from BB & T credit reporting that they received correspondence and that no error has occurred. Again, I spoke to BB & T on XXXX XXXX and spoke directly with two Supervisors and wrote a second dispute with my concerns of my inaccurate payment history. They both stated by phone everything was up to date. This time around my score decreased with XXXX  instead of the above agency XXXX. I called on XX/XX/2020 XXXX  Credit Bureau and the representative told me that BB & T last reported to them in XXXX of 2020 and that there were no payment history for the months of XXXX and XXXX. On XX/XX/2020 BB & T credit reporting department sent me by mail a letter stating that they received correspondence of my inquiry. Today, XX/XX/2020 my score decreased for a third time with XXXX. Moreover, I spoke to a XXXX Credit Bureau representative and they stated that they have never received any payment history from BB & T credit reporting department for the months of XXXX, XXXX, and XX/XX/2020.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I have be unable to activate my XXXX  unemployment befits debit card ( Reliacard ). XXXX claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the Better Business Bureau and complied with further instruction from XXXX but my card has still not been activated.
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Fidelity Services, LLC (FL)

I received correspondence from a debt collection company named XXXX XXXX stating that they were trying to collect money from an installment loan that was taken out with a company named XXXX XXXX. This loan was fraudulent because apparently someone took out this loan falsely using my personal information. I have submitted my police report both to Midwest Fidelity and XXXX XXXX. This fraudulent action was taken out in XX/XX/2019. The amount of the loan {$3700.00}
Consumer complaint received 2023-04-07
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. (TX)

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

XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I have submitted several disputes to Experian, XXXX and XXXX regarding incorrect information listed in my credit report and have not received any responses back from Experian or XXXX. I thought that there was a law that says they are supposed to respond within a certain amount of time like 30 days or something like that. Well it has been way longer than 30 days and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from Experian and XXXX.
Consumer complaint received 2020-06-02
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: EQUIFAX, INC. (IL)

I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is CREDIT FIRST/FIRESTONE ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... XXXX
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (FL)

An account with Acima is reporting on my XXXX credit report as a closed account but the debt is not my debt. I have written Acima XXXX times and they are not able to locate the account and advise me they need more information to validate the account. I have provided Acima with the information I pulled directly from my XXXX credit report and is not obligated to provide further information to help them validate this account.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to XXXX & Equifax several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided XXXX with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

On XXXX XXXX2020, I called Regions Bank in XXXX, Texas and I talked to XXXX and he told me that if I came in before the XXXX of the month my Social Security Check would go into my account. So myself and my daughter went there and opened a checking and saving account on XXXX XXXX. And XXXX at the branch, helped me and my daughter with this, and XXXX said that she would take care of everything and make sure that my Social Security check went in direct deposit. On XX/XX/2020 and my check was not in my account and Regions Bank just makes excuses and won't do anything about this problem. And talked to Regions Bank on XXXX XXXX2020 and still they refuse to make this situation that they caused to make it right. A supervisor told me on XXXX XXXX2020, that the corporate / executive office would not call me regarding this matter/mess that Regions Bank did to me.
Consumer complaint received 2021-04-11
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)

EXPERIAN has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, EXPERIAN has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. EXPERIAN NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Consumer complaint received 2021-04-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (CA)

The original borrower filed Chapter 7 in XX/XX/XXXX and bankruptcy was finalized and discharged XX/XX/XXXX. The last payment made was XX/XX/XXXX. The owner left the country and transferred property to me after I helped bring property current on XXXX XXXX dues and more than 4 years passed. The statue of limitations on time barred debt passed and she was still insolvent, and unable to pay XXXX fees. I paid over {$60000.00} to bring the property current and stop an XXXX foreclosure. However after the property was transferred to Nationstar Mortgage from XXXX XXXX, they filed a notice of default in XX/XX/XXXX and I believed I was responsible or I would lose the property. I had someone knowledgeable of Loan modifications and foreclosures help communicate on my behalf with Nationstar Mortgage. XXXX XXXX from the non-profit ACCE helped provide contact information for XXXX XXXX, VP of Litigation at Nationstar Mortgage. He was able to rescind the XX/XX/XXXX foreclosure sale. She also provided a contact XXXX XXXX at Nationstar Mortgage who helped facilitate a loan modification. I didn't know that time barred debt was not legally collectible from me or that a debt discharged in bankruptcy could not be modified. Nationstar allowed the modification to the original debtors loan even though she was living abroad. Without her financial information I was able to use my own financial information and added as a co-borrower to the loan modification. The loan never added my name when it was temporarily granted and XXXX XXXX assured it wouldn't be a problem. I thought I was responsible and I made over {$17000.00} in payments covering 9 payments. The original borrower or debtor never communicated with anyone at NationStar. In XX/XX/XXXX Nationstar foreclosed and sold the property to XXXX XXXX XXXX XXXX XXXX. I hired attorneys to represent myself and the borrower not knowing that this was illegal and I was being defrauded by the law firm as well. The original debtor never signed am agreement however she's named in the lawsuit without being present or afforded due process. I've spent over {$300000.00} in legal fees and {$200000.00} in bond payments to XXXX superior court.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (FL)

PLEASE BE ADVISED THAT THIS IN FACT A HUMAN BEING. TO WHOM IT MAY CONCERN, MY CONSUMER REPORT HAD A FEW ACCOUNTS LISTED AND TO MY KNOWLEDGE AND UNDERSTANDING, I REALIZED THE ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM AMAZED TO FIGURE OUT HOW MY INFORMATION WAS FOUND AND USED TO OPEN THE ACCOUNTS. I RECIEVED AN EMAIL ALERT THAT MY INFORMATION WAS LEAKED IN THE XXXX AND EXPERIAN DATA BREACH, AND THAT'S THE ONLY WAY I COULD THINK OF AT THIS POINT. I AM HIGHLY XXXX AND UPSET THAT SOMETHING OF THIS NATURE COULD POSSIBLE HAPPEN TO ME AND THIS IS IN FACT A VERY SERIOUS MATTER. IT HAS DAMAGED MY REPUTATION AND HAVE PLACED ME IN A SPACE OF EMPTINESS, I AM VERY DISHEARTENED AT THE FACT THAT SOMEONE WOULD ATTEMPT TO USE MY PERSONAL INFORMATION TO OPEN ACCOUNTS. I AM PERSONALLY SENDING YOU THIS MESSAGE NOTIFYING YOU THAT I DID NOT GIVE AUTHORIZATION NOR AUTHORIZED IN WRITING OR TO THE COURTS NEITHER OF THE ACCOUNTS TO BE OPENED. THE ACCOUNTS NEED TO BE DELETED PERMANENTLY AND IMMEDIATELY PURSUANT 15 US CODE 1602 ( P ) THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER ACCORDING TO 15 US CODE 1681 ( A ) ( 4 ) THE LAW STATES THAT INACCURATE INFORMATION IS BEINF REPORTED TO MY CONSUMER REPORT AND IS CAUSING MAJOR DISTRESS FOR SOME TIME NOW DURING THE PAST FEW YEARS AND THE PANDEMIC OF COVID 19. BEING THAT I DIDN'T AUTHORIZE THE ACCOUNTS, OR TRANSACTIONS, THIS IS IN FACT AN ACT OF IDENTITY THEFT. ANY ACCOUNTS OPENED FRAUDULENTLY WITHOUT A CONSUMER AUTHORIZATION OR WRITTEN AUTHORIZATION IS A FORM OF IDENTITY THEFT AS I STATED ABOVE. THE ACCOUNT 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. THE ACCOUNTS WEREN'T OPENED BY ME AND IT CAN NOT BE VALIDATED THAT I OPENED ANY THE TRADELINES. ACCORDING TO 15 US CODE 1681 S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY AND PERMANENTLY. THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX ARE IN LITIGATION AT THIS MOMENT.
Consumer complaint received 2020-06-04
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. (NC)

I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as Fair in & out / Invitation Homes showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving this matter
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.
Consumer complaint received 2021-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have had immense hardship over the years due to the fact I was a poor XXXX XXXX and had no conception of what credit was, and how important it is. As time went on my knowledge about how credit works has grown tremendously and my credit score is affecting my ability to get access to capital needed to fund a business, or buy a home. I have reached out to Capital One about my late payments on the dates of : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 And explained to them my hardship in an attempt to get the payments forgiven for the months of the hardship. I had family in the hospital and I simultaneously had to go myself. It was a dark time and I have grown and achieved more stability and I believe payments from 2 years ago shouldn't still affect my credit. I commend Capital One for removing the other payments. But I want them to remove the rest of the late payments so I could then qualify for more credit with them and continue to do good business. I want them to grow with me, and aid me in my growth. If they removed these late payments it will help me tremendously. I have paid the card down to 30 % utilization and it will soon be down to 2 %. In less than 30 days my credit has gone from XXXX to XXXX, which is indication of how serious I am about improving my credit score. 

I really hope Capital One removes my late payment history simply due to the fact it'll never happen again.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/2019 and XX/XX/2019 I closed 2 accounts with Chase. Both accounts were settled in less than full amounts and Chase Bank told me there would be no impact to my credit. Only that I would have to pay taxes on the settled amount. 

Since then, my accounts are showing as late, and or, missed payment with every credit bureau. I have disputed this several times with them and they will not change the status with the credit bureaus. I believe this is a malicious attempt to punish individuals who settled with them. I have settle other accounts before and after, and they are the only company who reports like this.
Consumer complaint received 2022-02-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cottonwood Financial Ltd. (TX)

In XX/XX/XXXX XXXX XXXX XXXX added a XXXX item to XXXX credit report. XXXX XXXX XXXX but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that XXXX XXXX XXXX added an item to my XXXX report without providing me with a written notice regarding the debt.
Consumer complaint received 2020-09-01
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. (GA)

Experian 's online website never works, and does not allow you to reach a live person. Instead, they want you to mail them the same information - drivers license, SS card, utility bills, etc - over and over again. Then they never do anything - no call back, they don't fix their site, nothing. They have cost me a lot of time and money, and have negatively impacted my life. 
- This has been occurring for over a year repeatedly.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

I notice some accounts and inquiries on my credit report that I did not open on my credit report CREDENCE RESOURCE MANA Original creditor : XXXX XXXX {$2300.00} Collection opened XX/XX/2020 2020