davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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: Alorica Inc. (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SST/XXXX with account number XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Recently I had a public record item removed from my credit report as it reached the statute of limitations. I have patiently waited 10 years for this mark to finally go away. I initiated contact with Trans Union and after about 7-10 days they deleted the information, however they failed to recalculate my FICO. In fact my score prior to the dispute was a XXXX and after they updated and removed the public record, my score dropped to a XXXX. that is impossible!!! I went through the same process with Equifax and my score went from a XXXX to a XXXX after the judgment was removed, that's an increase of 72 points ... and with Experian I went from a XXXX to a XXXX, an increase of 44 points. I contact Trans Union about this and they said there was nothing they could do. Clearly, that is not true. It is ABSOLUTELY IMPOSSIBLE to have a judgment added or removed and not impact ones FICO. I work in the XXXX and a am very well versed in credit. Trans Union 's failure to properly report a accurate FICO to lenders in a direct violation of laws governed by the CFPB, FCRA and FTC. It is also a violation of my rights as the current FICO of XXXX does not accurately reflect my credit worthiness and due to their egregious gross negligence will impact and effect my ability to get a better interest rate.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I am writing to dispute the following information in my file. 
Items : Comenity / Full Beauty and Comenity / Wayfair is inaccurate because these accounts were paid in full directly with Comenity on XX/XX/2021. Comenity sold the account to XXXX XXXX XXXX after I made the payment, and now the monies are just sitting in space somewhere unapplied. The company the sold the debt to, XXXX XXXX XXXX is now coming after me for the money. I am requesting that the item be updated as paid in full immediately and reflected as such on my credit report. The attached letter from my bank confirms the funds were satisfied and Comenity still has not updated the account or reported it as paid to any credit bureaus. The attached letter from my bank was sent to Comenity on XX/XX/2021 at their request. I have had up to a dozen phone calls with Comenity to remedy this and to be spiteful, the lowered the balances on my other Comenity held cards. They have confirmed receipt of the letter from my bank and still they have not taken action. After accepting my full payment, they sold it for pennies on the dollar and now I have two collectors coming after me for a debt that I paid in full. 

Please investigate this matter as soon as possible as I have exhausted all resources to fix the issue.
Consumer complaint received 2023-01-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (AZ)

Back in XXXX My husband got a Chase Credit Card and I was on account. He was sent to prison for XXXX my child. While he was out and going to trial he had taken all Credit Cards and maxed it out at a Balance of XXXX. The bank sold it to a collection agency I never knew the court date so I could go to court and this company got a judgement. I have been extremely low income all these years and This agency keeps taking it to Court tacking on more fees. This debt is now over 10 years old and XXXX dollars. My ex died in XXXX and this company has started trying to garnish me. The only legal thing I am allowed to do is go and get a hardship again. I need help this debt was never mine and they haven't been able to get money because I don't make enough and all it is doing is adding huge interest rate fees at this point.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial (CA)

I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called Spot loan that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
Consumer complaint received 2019-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Services Association (OK)

I have not received a bill in the mail for the past 3 months. So I was unsure how to pay or where to send the check too. I finally called and payed over the phone. Point is I missed one payment and it was payed just late. And they put a derogatory mark on my credit. It knocked my credit score down almost 100 points! Which is ridiculous. Ive always paid on time and have had excellent credit up until this point.
Consumer complaint received 2019-06-07
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. (CA)

Equifax is showing that my XXXX XXXX XXXX XXXX ( Car Note ) is past due. This is incorrect. My account is current and not in a late status. I have tried disputing this information with Equifax online and the online dispute would not allow me to dispute.
Consumer complaint received 2021-11-10
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: CCS Financial Services, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.
Consumer complaint received 2022-02-18
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (SC)

COMMONWEALTH FINANCIAL a collection agency has placed derogatory information on my credit reports. They attempting to collect on an alleged debt in the amount of {$360.00} for the client : XXXX XXXX XXXX. I have no knowledge of this account. I addition to that item there is another alleged account for the same client XXXX XXXX XXXX for {$510.00}. I have no knowledge of either of these accounts, and I NEVER received any notification from Commonwealth Financial that they were attempting to collect for these debts. I never received any correspondence from them in writing or otherwise nor did I receive a notice of my rights to dispute. They just place this information on my credit reports and damaged my records without due process ... ..process to include allowing me my legal right to dispute and / or request validation of these alleged debts. 
They just violated the federal law and place information on my reports as if it were valid when in fact it is not. This is a violation of the FDCPA, FCRA and the Fair Credit Billing Act. With the possibility of a violation of the HIPAA Act
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (FL)

I received an alert on my credit monitoring service XX/XX/2021 that I have a derogatory information on my account. Upon viewing it, I noticed that National Recovery entered a derogatory amount of {$660.00} on my file without contacting me of the debt in question or to point this company in the right direction, which is a violation of my right.
Consumer complaint received 2021-02-04
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (NC)

On XX/XX/XXXX I received a " Payment Reminder '' from a company called FORTIVA claiming to be a retail creditor, and listing the last four digits of an account number. I do not have any idea what " FORTIVA '' is or represents, and did not open any account with a company by that name. The email directs me to pay a minimum payment of {$30.00} by XX/XX/XXXX and lists an address to send a check or money order. It is a 'noreply ' email and I have tried calling the toll free number provided but putting in the numbers listed in the email as the 'last four digits ' of the supposed account starts a loop of a computer voice rejecting that input, and asking me to input my nine digit social security number. I did not do that and immediately did an internet search to find out what kind of company FORTIVA is. That is how I found this CFPB site. I have not received any of the common required disclosures from this creditor ( that I would expect from any credit holder ), nor do I have any form of charge card. 

ALSO NOTE : In the final step of this complaint process the form wants an address that the billing would go to ... as I have no knowledge or information about this account, I DO NOT KNOW what address, however, to finish this complaint I reluctantly will indicate the same address as my primary address - I am conflicted as I do not want to provide a company I perceive as a bad actor with access to my correct information.
Consumer complaint received 2021-02-04
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. (NM)

Today, XX/XX/2021, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I have never applied for a personal loan with this company and need this removed from my credit report.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

I applied for a Wells Fargo XXXX XXXX card with a credit score of XXXX that I built over the past 3 years. I have a job lined up that I will be starting in XXXX and I have proof of this through an offer and acceptance letter. After I applied, I was notified that I have to provide my last three paystubs before I can get approved for this card. I called them and told them about my situation in terms of my job and that I will be unable to provide paystubs for my job until XXXX. They told me that they are unable to give me a card and that they won't take my offer/acceptance letter. I believe that I was denied this credit card unfairly as I have a good credit score and proof of a job with the salary I specified in the application.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (DC)

EARLY WARNING SERVICES , LLC ( hereinafter " EWS '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : EWS SECURITY FREEZE REQUEST To Whom It May Concern, Please accept this letter as my formal EWS Security Freeze request. I am aware of the fact that your company is operating in accordance with the Fair Credit Reporting Act ( FCRA ). Moreover, you have confirmed this fact on your company 's web page https : //www.earlywarning.com/consumer-information by following : To Waning uport consumers an dising and coret in curte Princel Reporting Act ( FCRA ) ''. See. Exhibit A COMES NOW, I am requesting a Security Freeze be placed on my EWS Consumer Disclosure report. I opt out of you disclosing future information until further notice, including all/any reports furnished EWS regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until ift this restriction. Under the Fair Credit Report Act you're required to comply.

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX SOCIAL SECURITY NUMBER : XXXX  DATE OF BIRTH : XX/XX/year> : PHONE NUMBER : XXXX After this SECURITY FREEZE has been filed, please send me written confirmation and/or PIN ( if any ) to the address listed above. If you do not have the option to place a Security Freeze on my EWS Consumer Disclosure report, I may file a complaint to the Federal Trade Commission ( " FTC '' ) and/or file a lawsuit against your company. I can request that the Court enter an order or judgment against your company, including : 1. A Class Action under Rules 23 of the Federal Rules of Civil Procedure ( JURY DEMAND ) ; 2. Negligence ; 3. Misconduct ; 4. Actual damages, statutory damages, and such other relief as per statutes ; 6. Award compen XXXX XXXX da many goldly everaldiy in an anount nor exceeding {>= $1,000,000} 7. Pre-judgment and post-judgment interest on monetary relief ; 8. The costs of bringing the suit, including reasonable attorney 's fees ; and 9. All other relief to which Plaintiff ( jointly and/or severally ) may be entitled by law or in equity.

Thank you for your assistance in this matter.

Sincerely, XXXX
Consumer complaint received 2022-09-16
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. (PA)

I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through XXXX and Transunion. XXXX and TransUnion each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX  which shows no bankruptcys in their system. How is it that XXXX and Transunion verified through XXXX XXXX and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA XXXX and TransUnion would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX and a letter from the XXXX district of Tx.
Consumer complaint received 2019-06-07
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. (CA)

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX  account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.