davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

I was denied credit based on information the lender obtained from SageStream on XX/XX/2021. I had never heard of Sage Stream before. I attempted to obtain my credit file from SageStream. SageStream requests a completely excessive amount of personal information before allowing me a copy of the report. They want my government issued ID, as well as a copy of my Social Security card and either a current utility bill or my W2 with my address on it. I am not comfortable providing all of this information to some company I have never heard of when the three legitimate credit bureaus have never asked for it.
Consumer complaint received 2023-01-30
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. (GA)

RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Consumer complaint received 2020-05-21
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. (LA)

consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I sent a Money Order for a tender of special deposit to settle the account for a auto loan alleged I owe and agreed to pay on the conditions USAA FEDERAL SAVINGS BANK provide me with a Validation and Verifification of the Debt for The Auto Loan. I Requested the actual accounting and a signed invoice, A Copy of the actual accounting for the deal, and a copy of the lawful legal contract binding both USAA FEDERAL SAVINGS BANK and me to the auto loan agreement. Without prejudice, reserving all my rights I accept no contract unless it is shown to be a lawful binding contract. I agreed to pay what they said I owe on the conditions that they provide me with the documents I am requesting, or I would consider them to be in default request that they fully discharged the debt if they are unable to provide the requested documents in 10 days to send me a letter in certified mail, verifying that they have fully discharged the account and no negative remarks are left on my credit report. USAA FEDERAL SAVINGS BANK has not provided me with full disclosure and I was not informed I was creating credit with my wedding signature. USAA FEDERAL SAVINGS BANK did not provide equal consideration because they brought nothing valued to the table, so had nothing to lose. USAA FEDERAL SAVINGS BANK did not provide lawful terms and conditions as they were based on fraud. USAA FEDERAL SAVINGS BANK Did not provide me with the wedding signature of both me and them XXXX, the contract that I signed and they sign and regards to the auto loan. They have sent me statements of an outstanding balance, but that is not an invoice and I need a signed invoice as requested to be sent. They have sent me photocopies of the loan agreement, but that Does not constitute a contract is not what I am demanding. I need a signed invoice as requested be sent from both parties. I did speak with a representative on the phone calling at XXXX ( XXXX ) XXXX at XXXX from USAA ON XX/XX/XXXX acting on behalf of the CEO and explained they would follow up with me but I have not gotten any response, And spoke with another representative on XX/XX/XXXX from USAA who explained they could not proved the documents demanded.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I Have Sent This company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of Pa. Please have this company cease all collection activities this is my last attempt to complain outside of court.
Consumer complaint received 2022-11-17
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)

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by National Credit Systems for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute National Credit System deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by National Credit Systems nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with National Credit Systems, XXXX, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.
Consumer complaint received 2020-10-22
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: CL Holdings LLC (CA)

I have ask the for itemization of record from these creditors XXXX XXXX XXXX Jefferson Capital and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

On XX/XX/2019 I requested a personal loan of XXXX for some unexpected bills. The agent didn't clearly explain to me the interest rate or what amount I'll be paying back. To my understanding I was told I'll be paying back a small amount on top of the loan I'm borrowing. Due to the amount of time for processing she stated I have three minutes to complete the application in order to receive the funds by the time deadline. The agent then had me to rush to complete my signature and stated I can read the agreement on my own time. I have paid a portion of the loan I borrowed and will now go into the interest rate of the loan payment which is more then what I expected {$5000.00} of XXXX I borrowed.
Consumer complaint received 2020-05-21
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. (LA)

consumer request to have no harsh data announcing except if it is, as required by laws, demonstrated completely obvious, right, total and ensured consistent in revealing of that unfavorable as well as any part of it. I request quick erasure of any not tribute genuinely checked and guaranteed thusly.
Consumer complaint received 2020-09-05
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. (VA)

I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.
Consumer complaint received 2022-04-05
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as XXXX XXXX XXXX. Which is not one of the 3 recognized agencies. My score was XXXX XXXX less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score XXXX points less from the other agencies. I argued with them that according to the 3 agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dobberstein Law Firm, LLC (WI)

XXXX XXXX  and the lawfirm XXXX are trying to garnish wages. XXXX named 3 to many XXXX on the bill so insurance did not pay. They are now trying to sue without proper notification. I learned of this garnishment from a mailing I received at an incorrect address. This has been going on since XX/XX/2020. The last 2 court dates I have had has been pushed out because, I have not seen he actual documents. Each court date their is a different lawyer and nobody can tell me what is going on.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRSTBANK (AZ)

XX/XX/XXXX I called the bank as I was a late on a cc payment and wanted to know the amount to pay and if I paid that day I would not be 30 days late. She gave me the amount and said I have 10 days to pay the amount XX/XX/XXXX I paid the amount the same day XXXX. 
XX/XX/XXXX I got notice I was 30 days late, so I looked at my banking and I did send the amount but it went to the same bank mortgage department and not the XXXX department XX/XX/XXXX I called immediately told them what happened and she asked if I wanted a refund since it went to mortgage I said no keep it I will pay again so paid XXXX to pay again in full. 
Honest mistake XX/XX/XXXX got a notice my cc was closed. I had conversations and have had this account since XXXX and mortgage since XXXX with no late payments. I talked to reps the entire time correcting the issue and they still put 30 days late and closed my account. 
I think unfair treatment as honest mistake on a banking app. 
XX/XX/XXXX Had credit pulled and realized they did not take off the 30 days and closed the account. 
XX/XX/XXXX I went in the bank talked to a XXXX all he did was call the cc line and tell me too bad they know a honest mistake but will not do anything. I just want the 30 days removed as they received the money before 30 days in full and I said I can pay the balance if they do not want me as a customer. 
He said will have someone call me and paying the balance would not clear the 30 day late. 
XX/XX/XXXX XXXX their collection department called me and XXXX care said no will not reverse, agreed was an honest mistake so I asked can they least reopen the account and she said no. 
My complaint is this bank GOT the money on time they even admitted they got the money on time. So why close my account and why not take 30 days late of my credit report since they got the money before 30 days. I always pay my bills can look at my credit report I do not deserve this bad mark on my credit.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2021 I was involved in a scam where I was mislead as to where my money was going. I was told I was sending money to a moving company because I had just moved into the area. I sent them {$1000.00} to move a couch through XXXX. The XXXX I sent it to was XXXX. The number that was contacting me from this scam was XXXX ( XXXX ) XXXX. I reported it to my bank on XX/XX/2021. This was the day I was supposed to get my couch moved. The day I reported it I was told my money was transferred to a XXXX XXXX  but no other information.
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (NY)

Equifax is currently in violation and reporting multiple inaccuracies on my most recent credit profile- The company recently sent me an update letter based on a recent dispute letter sent to Equifax on or before XX/XX/2019. Explaining that the company has recently initiated an investigation and has predetermined that there will be no further investigation into this account : a violation Account- portfolio recovery and associates- XXXX XXXX XXXX XXXX If the company continues to report the following information : As appears on my recent credit report : opening date of XX/XX/2019, an inaccurate statement. 

Reporting a past due balance on a closed collection Account. Violation If this information is not changed/ updated Or corrected. I expect a full account deletion of portfolio recovery and associates from my Equifax credit profile. Or by default ; Equifax will be in violation.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WA)

Victoria 's Secret Acct # : XXXX XXXX XXXX XXXX Re : 30-day late I went into a Victoria 's Secret store to pay my monthly bill XX/XX/2018. The sales person working at the counter would not accept my payment method and was insisting I pay a different way. I thought I could make the payment this way. Because of the time of day I wasn't able to make the payment and so a 30-day late was reported XX/XX/2018. My understanding was that I could go into a store to make the payment so it was a surprise to me that the sales person wouldn't accept my payment. The person also didn't assist me otherwise so that I would not be late. I have been a loyal customer and I should have been assisted at the store.
Consumer complaint received 2023-01-20
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. (TX)

XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Consumer complaint received 2020-10-11
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: BARCLAYS BANK DELAWARE (AZ)

As a minor, I was given a credit card under my mothers name - no information about me was given nor was I an account holder. The company - Barclay credit card - added me onto the account as a holder and it is now effecting my credit score when I have not been on the account for over a year and is continuing to show up on my credit report.
Consumer complaint received 2020-10-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (IL)

One Main XX/XX/2014, {$1800.00}. They did not notify me and seems to be the same as Spring Leaf Financial XX/XX/2014 {$3100.00}. They never notified me. I reached out to them. This is not fair because Im living with my mom and cant get a mortgage
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I was laid off from my job. We had to make late payments on our home. My wife and I applied for a loan modification on XXXX of XXXX from Shell Point mortgage. We filled out the forms Shell Point requested. XXXX came with no contact from Shell Point. I called them and was told that I did not send all paperwork needed to process the loan. I have e-mails showing where requests were made every month for same paperwork. Shell Point informed us month that all they could do was offer a repayment plan. We would have to pay XXXX dollars in one month or lose our home. We are two months behind. I have a job and am trying to catch up. I think I have been mislead by Shell Point. We have had three different loan specialist. We were even told verbally that we approved for loan modification. He was replaced and our third specialist was assigned to us.
Consumer complaint received 2017-08-10
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)

violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.