davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (PA)

The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2022-04-07
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. (NC)

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have XXXX accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX discrimination none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-07-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (CA)

NOTICE OF ERROR/REQUEST FOR INFORMATION Initially I requested a loan pay-off for my investment property. 
I made the request on XX/XX/2022. To date, I have not received a loan pay-off. Under 15 U.S.C. 1639g, A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. 
I'd planned to refinance this loan but this company 's ( Statebridge ) negligence in furnishing the requested documents has caused me a delay.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle Mortgage , Inc. failed to apply our mortgage payment for XX/XX/XXXX from the prior mortgage company that we paid in XX/XX/XXXX. The prior company already transferred all payments to Dovenmuehle before the transfer happened. We've been in contact with both the prior company and Dovenmuehle since XX/XX/XXXX and this issue is still not resolved. Dovenmuehle keeps sending debt collection calls on us when we've already made our payment on time ( back in XX/XX/XXXX for the XX/XX/XXXX payment ). We've made multiple phone calls to Dovenmuehle, trying to resolve the issue since XX/XX/XXXX and Dovenmuehle still has not applied our payment back to our account. It is now end of XX/XX/XXXX and our mortgage has already been sold to a third mortgage company as of XX/XX/XXXX. Now, the new mortgage company is saying we're late for our payment, because our first payment was never transferred from Dovenmuehle. We're very frustrated because we did our part to make our payment on-time in XX/XX/XXXX for the XX/XX/XXXX payment after our house was refinanced to the first bank. Just because our loan was being transferred to Dovenmuehle, Dovenmuehle somehow failed to take the payment and applied to our monthly mortgage payment. It is sitting in their suspense account and none of the people we talked to was able to do anything about it.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021, I purchased tickets to an event from a company called XXXX, I immediately learned that the tickets for the event were not available until the following day. A XXXX search revealed multiple complaints about this company, stating that the tickets are not real and that the company is a scam. I called my credit card company, Capital One, and immediately reported these findings. They told me to file a fraud complaint and to cancel my card. They removed the charge and sent me a new card. A few weeks later, they put the charge back on my card. When I called, they said that this was not fraud and instead that I needed to file a dispute. I filed the complaint, the charge was removed for a few weeks and then was put back onto my account on XX/XX/2021. The company has not sent me tickets. They have sent a link in an email stating that if I click on the link, that I agree to their terms and services and will then receive my tickets. I have not clicked on the link or agreed to their terms and services. I have responded to the email requesting that the order be cancelled and they responded that I can not cancel it as I have already agreed to the terms and services, which I have not. They offered to let me sell the tickets through their site.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-07-23
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. (NJ)

I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of 2021. THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by XXXX and equifax. 

EQUIFAX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

XXXX based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I called Credit Collection Services a long time ago, at that time I was assured that the company policy is that if you pay an Insurance claim with them, in full they will delete it from my credit report. I was told it was company policy. I sent a letter to them reminding me of their promises that they made in accordance with their company policy. The account is still reporting on my credit. They lied to me to coerce me into paying a debt. Please make them keep their promises and delete this account from my credit immediately!
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX i applied for a car loan with Bridgecrest Auto loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let Bridgecrest and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from Bridgecrest again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or Bridgecrest that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called XXXX XXXX XXXX on behalf of Bridgecreast since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over 4yrs by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to DATA BREACH AND XXXX XXXX XXXX XXXX, which falls under the law 15 USC 1681c-2 ( a ). '' and XXXX according to XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of data breach and XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts and inquiries to de delete with company information XXXX, XXXX, and Experian. Please delete the following accounts and ANY and ALL inquires associated with the accounts. 
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 2020-05-08
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: HEAD MERCANTILE CO., INC. (MS)

i notice a collection on my credit report from HEAD MERCANTILE CO I ON XXXX XXXX that are sharing my content without my consent and violating the Hippa law as well. i am asking for the alleged debt to be validated and cease and desist all collection activity until other wise proven cause I'm having great stress behind this negative information reporting on my credit.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (FL)

I first contacted Equifax approximately 2 months ago because I was told by a mortgage company that I needed to unfreeze my Equifax report. I tried to register for an online Equifax account but every time I did, I got a message stating I needed to call Equifax. I was told the first time that my account was not frozen and I should try again to register. I tried again and got the same message. I called back and got someone who spoke very poor XXXX. I asked to be transferred to the XXXX but she refused. I have called Equifax 8 times. The XXXX time I called I was told that my name was misspelled and thats why my account was frozen. I was told to fax a copy of my Social Security card and driver license so they could fix it. I was not comfortable doing this but I was told they wouldnt fix it if I didnt. I faxed the information on XX/XX/22. I called Equifax on XX/XX/22 and I was told the fax hadnt been received, even though I had conformation that it had been. I again asked to be transferred to the XXXX and I was told they dont do that. The representative told me she would correct the spelling of my name and I could check that evening and unfreeze my account, she gave me a conformation number. I checked that evening and I still couldnt register for an account. I called Equifax back on XX/XX/22 and and gave the representative the conformation number, but there was no such number in their system. Again I asked to be transferred to the the XXXX and again they refused. I asked for a supervisor and he told me he would escalate this to their tech department, but there was no time frame for when it might be corrected.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (NJ)

My Santander auto loan should be part of the class action lawsuit. We took action the summer of XXXX through XXXX XXXX courts to put a hold on all transactions and action until a hearing was taken. At that time we were unaware of the lawsuit. Covid hit and we had no hearing set, but found out about the lawsuit. I feel we were overlooked because we put the hold in the court thinking that we were doing the right thing. They say our loan should not be part, but I feel that I have proof of unfair and predatory lending and fit into the subprime practices of the company. The loan originated on XX/XX/XXXX and falls into the actions by us being taken before XX/XX/XXXX. The company violated the fair lending requirements of the ECOA ( Regulation B ). Proof of that should be the 3 copies that I have from the Automobile sales company of them restructuring this subprime auto loan. I have sent a letter to my Attorney Generals office and was directed on XX/XX/XXXX to call Santander, whom I have had no contact with due to the court advising me onto do so. Santander was harassing me with phone calls even after the court order was on file. I have All dates in my phone. It is starting again due to we tried to have a lawyer take this action and he wasnt following through. I called XXXX XXXX who also directed me to Santander. I then called Santander on XX/XX/XXXX spoke to XXXX # XXXX who said that he had nothing saying that my loan was eligible. I asked who could evaluate my loan and he only offered to settle ; even after Santander illegally took the vehicle while the petition was in court. I then called CFPB on XX/XX/XXXX to be sure I should put in this complaint. There is not a loan number on my contract.
Consumer complaint received 2022-01-25
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. (MA)

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Consumer complaint received 2021-05-08
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. (MA)

hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.