davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (SC)

On XX/XX/XXXX at XXXX, I contacted XXXX to let them know the debt was NOT mine and that the debt had been closed out with another creditor XXXX on XX/XX/XXXX because the validly of this debt was not proven.I told XXXX they could contact my lawyer and the debt was not mine. I provided their contact information to XXXX on a RECORDED line. 
Today XX/XX/XXXX they have contacted me AGAIN via mail after I gave them my lawyers information and disputed the debt on a recorded line. I called them and told them this debt was not mine and I have already given this information on XX/XX/XXXX and if they contact me again Ill file suit against them. This debt was researched and already closed with another creditor on XX/XX/XXXX. This debt was purchased by XXXX AFTER XXXX group had to close it out.
Consumer complaint received 2022-07-31
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: FORD MOTOR CREDIT CO. (PA)

In accordance with the fair crEdit Reporting act XXXX Accouff # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for all purpose
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX and list of Inquiries. 

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 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Tried to get my annual credit report from XXXX. XXXX   and XXXX worked fine but Experian is being difficult. I get the cryptic message " A condition exists that prevents Experian from being able to accept your request at this time. ''. Tried to call them but their infuriating automated system makes it impossible to get a human. Tried to sign up for their 'CreditWorks Basic ' to get some insight and no luck there either. Please help.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. 

This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

2ND REQUEST : I am challenging Equifax because they are not in compliance with METRO 2 compliance standards. They DO NOT INVESTIGATE THEY DONT SEND OUT UPDATED REPORTS AND THEY NEVER SEND METHOD OF VERIFICATION LETTERS. THEY DO NOT READ DISPUTES! 
This is a direct violation of 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This is law! CLOSED ACCOUNTS CAN NOT REPORT A BALANCE!!!! I am doing this again as I have had no results and this is for paper trail for my lawsuit!
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC (IL)

I Originally informed Early Warning services of XXXX Fraudulent & Inaccurate Accounts that is being reported on my behalf over the phone Last year on XX/XX/2021 & XX/XX/2021. These Accounts were Fraudulent and Represented a Different Name, Someone Named : XXXX. My name is XXXX. Upon Speaking with Representative XXXX Id XXXX XXXX, I Requested To dispute these Fraudulent Accounts! Unfortunately, he was Ignorant to federal law in regards to the consumer & Essentially was unable to be of any help. I was Then transferred to the Supervisor XXXX & At this Point it had exceeded 30 Days of my Original Dispute and still there Wasnt any Remedy. So i elected to have my name completely removed from their system entirely which is my Right Pursuant to USC 1681b ( e ) ( 1 ) & XXXX acted as if he was unaware of the Law & unable to grant Me My Right of Election to be removed entirely from the System He was Representing. His English Was Equivocal & he was Also unable to assist me. After the Phone call i Sent & Faxed a Letter to their Company on XX/XX/2021 Explicitly Notifying them That i was Electing to have my name and addresses Completely Removed from their system. I Elucidated that they were in Violation of Federal Law and that i would Be notifying The CFPB if they are unable to Comply with Federal LAW. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation. I Have not been Able to Extend my credit to a Plethora of Companies because of their Inability to Report Accurate & Fair information on my behalf. I Am Now Demanding that they Completely Remove my Name from their system Or I will Be Seeking {$1000.00} Per Violation
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX Chapter XXXX was filed. On XX/XX/XXXX Ocwen approved a mortgage modification. 1st trial payment was XX/XX/XXXX last on XX/XX/XXXX. Completed on time. Contacted them multiple times to see when i was going to receive statement. Called multiple times for years & was told to keep paying modified amount. So I did. CXXXX BK discharged XX/XX/XXXX. XX/XX/XXXX received a 2page statement dated XX/XX/XXXX saying Due in bold red letters {$65000.00} to bring my account current. Said became delinquent XX/XX/XXXX. Received another statement next day dated XX/XX/XXXX, saying payment duue XX/XX/XXXX for {$67000.00} also in big red letters. Contacted, said my payment was rejected. They told me to send proof of all my payments for pat 4.5 years and schedule appt for XX/XX/XXXX. Sent me a hardship info pack to complete. They sent me a modification pack without using my current expenses, etc in my hardship pack that I had not sent back yet. Told me to take their modification AS IS pre-apprived & if they review my hardship pack it is not guaranteed I get a modification. I called them with an update of my pack every couple of days and just said ok. Now paying {$2400.00} from {$1000.00}. They added $ XXXX on my loan w/baloon. Need help, savings exhausted. They forced me to take this or lose my home. Did not attempt to work with any offers I made. May lose in a couple of months. Expenses are more than income. Have cut all I can. I've been totally onest with them for years but they did not ever tell me any kind of way I need to be paying my original amount before mod or even should have told me it was not approved. They just kept taking my money. Said they couldn't tell e anything becasue I was in a BK. They should/could have not even sent the trial mod payments if that is the case. I have lots more info, documents, etc. I'm so sick, worried, stressed, can't sleep. I need some type of relief. I pray you can assist in some way. Thank you
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A incorrect error was placed on my XXXX, Equifax, and XXXX credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from wheels XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, Equifax, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Consumer complaint received 2019-10-18
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. (OK)

I sent a fraud affidavit to Equifax on the student loan there reporting on my credit report and they refuse to remove or investigate. They continue to report an item that I have never had no signed for. They us depart responded to affidavit that they could not find no contract for that account. 
I'm not going to state federal laws. But Equifax is reporting and not correcting they fraudulent account. Which is going to leave me no choice but to file a federal law suit in this matter. XXXX removed the account and XXXX  removed the account. But Equifax refuses to remove the account
Consumer complaint received 2021-03-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (SC)

I applied for employment and was offered a job with XXXX XXXX XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized Sterling Talent Solutions to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than seven years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both Sterling AND XXXX XXXX as I feel like I was unjustly discriminated against.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/XXXX at XXXX XXXX  MDT I sent {$150.00} as an instant transfer to a friend to help with an emergency expense. The money was not received in the time quoted for the transfer, instead sitting in a pending state. On XX/XX/XXXX I contacted PayPal customer service via chat through their website to inquire about the delay. I was informed that the " Instant Transfer '' had instead been sent as an " E-Check '' resulting in the delay, and that the money would be available to the recipient on XX/XX/XXXX. On XX/XX/XXXX I see the money still pending. I check my bank account activity for the money I sent to see that the transaction was no longer an authorization hold and had posted to my account on XX/XX/XXXX, so I again contact customer service, this time via phone. When I finally receive a callback to speak with an agent I question why my transfer was sent as an " E-Check '' instead. I am told that there are several reasons why this can happen : declined/disputed transaction, ensuring funds being available in account for amount being sent, PayPal viewing transaction as a " risk, and multiple login attempts. '' I haven't had any declined payments through PayPal, and the debit of funds from my account for the transfer had fully posted. I have been using my PayPal account to send and receive money in amounts excessive of {$200.00} since XX/XX/XXXX, and I accessed my account via mobile app twice in the same day using Touch-ID to login with no error. I explained this to the agent to show how none of the reasons she gave for why my transfer was sent as an e-check were applicable to my account. I asked when would the money I sent be available to the recipient, and was told XX/XX/XXXX. I asked if there was anything that can be done on their end, and was told that there is nothing they can do. The issue was then escalated to a manager to assist me with. The manager proceeded to recite the same rhetoric as the agent before, causing same information to be unnecessarily repeated. This exchange became increasingly irritating as no solution was being presented to the situation where I was clearly a victim of UDAAP violations as a consumer. Upon asking if they had any solutions I was told I can address this issue with my bank. The {$150.00} I sent is currently still pending in PayPal 's system.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-
Consumer complaint received 2021-02-10
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: Lending Club Corp (GA)

Lending Club # XXXX Here is another account that I cant seem to get any answers from. I have been calling and sending them letters along with all there bureaus to solve this problem but no one is helping me. This account is being re-aged the date last payment has three different dates which one am I supposed to try to figure out where to start? Two different date of last payment which was in XXXX but somehow I am paying as agreed in XXXX and in XXXX? This is so wrong but I can get any answers.