davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.
Consumer complaint received 2017-10-26
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 (CO)

CAP ONE AUTO There are 3 late payments that I would like removed - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00}
Consumer complaint received 2020-10-23
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. (AR)

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, 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 2018-09-24
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. (TX)

Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (FL)

In XX/XX/XXXX, I entered into a six month forbearance due to damage to my home from Hurricane XXXX. I was told by Seterus that the forbearance would apply until XX/XX/XXXX. I began making mortgage payments in XX/XX/XXXX. Once I began making payments, I was placed into a loan modification program, and was told that my forbearance would be suppressed until the modification was complete. It was my understanding that the forbearance would be applied to the end of my loan and this would not have a negative affect to my credit. Effective XX/XX/XXXX, my mortgage company informed me that a forbearance due to a natural disaster would no longer be suppressed to the credit bureaus. I went from a FICO score of XXXX to XXXX. I have never had a delinquent payment in any of my credit accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (WI)

I am writing to file a formal complaint against Transworld Systems Inc regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. Transworld Systems Inc has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of Transworld Systems Inc are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that Transworld Systems Inc verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from Transworld Systems Inc as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against Transworld Systems Inc to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (AL)

XX/XX/XXXX my credit was pulled from this company. I have never heard of them and I would like to know why they are reporting MY personal information. They are reporting my score as less than half of what it actually is which has caused me to be declined for new loan requests. My credit score they reported is 300 points lower?!?! Unacceptable.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. 

I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. 

Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. 

Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america XXXX
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I was laid off in XXXX of XXXX and was trying to make sure I pay all my debts in time. Amex has shown no interest to help with the interest rate issue. Im trying to make more than the minimum due and have called multiple times starting from XX/XX/XXXX till XX/XX/XXXX to request and plead interest charges waived but they keep saying its our policy and we will not waive any fees. Ive been a customer of theirs for over a decade and during this time of crisis Im asking a little help but they were not making any effort to help me out and said to write letters to corporate.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern Accounts reported two debts on my credit report which are in collections ; one for {$72.00} the other for {$100.00} original merchant XXXX. I paid the {$72.00}, not knowing if I actually owed the amount, since I was unable to receive a bill for the charges. I contact XXXX, and they were unable to confirm that I actually owed {$72.00}. Nevertheless, I paid the {$72.00} for the sake of the having this account deleted from my credit report. To my surprise, the account was updated and marked paid as agreed, but I needed the account to be deleted, which I was told that it debt would be deleted once I made the payment. I contacted EA the representative stated the debt will not deleted the account from my credit report after I made the payment. The account for {$100.00} I was told was owed for XXXX equipment, which I returned to the company over two years ago. However Eastern stated they could resolve the issue and sent a letter for this debt to be deleted from my credit report. My point, these companies could rag your credit, place debt onto your credit report without your knowledge and yet do not want to remove the collection from my credit file. I truly do not understand this process or when the company was paid and paid without any proof of owing this debt. Please HELP this process is so unfair!
Consumer complaint received 2023-03-23
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. (PA)

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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 Experian XXXX XXXX XXXX XXXX, Tx XXXX I have previously disputed this item with you US Bankruptcy CourtXXXX XXXX XXXX Case Number XXXX and Experian and in response they verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX
Consumer complaint received 2020-10-12
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. (MO)

Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pas the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-07-09
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. (VA)

I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, EXPERIAN late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, XXXX  late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NC)

I have made repeated attempts to explain to American Express representatives who have relentlessly called to implore me to make a payment on my account that they had no good reason to close my account. After closing my account even though it was in good standing they still tried to collect payments because they said I was still carrying a balance. The question is, how can I owe American Express if the account is closed and no longer attached to my name? Another problem emerged after they realized I wasn't going to make a payment because the balance was still in question and I attempted to get the account reinstated so that I could continue to make payments ; they decided to sell the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. and cancelled my request for recourse. They are in violation of FCBA due to the fact that they have not provided any clarification on the disputed balance nor have they illuminated the true reason why they closed the account. Amex is engaged in bad business practices and in my case this was " even though we know your account is in good standing, we're just going to close it for no reason and still make you pay the balance ''.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {XXXX}
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with XXXX XXXX XXXX, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {XXXX}
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NY)

I refinanced my student loans with Earnest. Today they sent out an email that they are changing how auto payments can be scheduled. According to them : " Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. '' To top it off, changes to Auto Pay now have to go through contacting customer service instead of being managed directly online.

Effectively Earnest is going to make loans harder for everyone to pay. I enjoy my biweekly auto payments because it helps me pay everything off faster.

The email reads : " Moving forward, Auto Pay can only be scheduled for the XXXX of any given monthother days will not be supported. If your current Auto Pay date falls within that range, no action is required. If it falls outside this range, please sign in to your Earnest account by XX/XX/XXXX to choose your desired payment date between the XXXX and XXXX. If your XXXX Auto Pay date is outside the supported range on XX/XX/XXXX, your payment will be automatically pushed to XX/XX/XXXX. 

After XX/XX/XXXX, changes to your Auto Pay dates must be made directly with our XXXX XXXX team, rather than through your client dashboard. Well keep you posted once you can do so through your dashboard. 
Starting on XX/XX/XXXX, biweekly Auto Pay will not be available. Any clients paying twice per month are requested to sign in to their Earnest account to select a new monthly payment schedule. If you dont do so by XX/XX/XXXX, the system will automatically select a payment date that will be at least a month after your last biweekly payment. We are exploring a number of alternative biweekly payment options between now and XX/XX/XXXX. We will update this Help Center article in the coming weeks once we have settled on a solution. 
Rest assured that the terms, conditions, and benefits of your Earnest student loan refinance have not changed, and neither has access to our team of Client Happiness experts. More details on whats changing can be found in our Help Center article here. ''