davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXXXXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX  Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " 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 ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AK)

Loan Care from XXXX  XXXX, Virginia made continuous robot call every other day regarding a call backs and late payments. It was extremely difficult to get contact with real live individual for two reasons : Their time zone is four hours ahead of us and extremely long waiting period up to 2 hours or more before making contact to any live individual. we believe this waiting period is purely ridicules Robot call also always request our last four digit SSN which shouldn't have to be done more than once. 

Payments was always on time, but Loan Care collector stated it was either late or insufficient funds in our account. They continuous to charge us late fees and insufficient fund fees. Evidence shows the funds are always available in our banking account. we also have evidence the payment was on time, but it took them a long time to process the payments. I have evidence that I attempt to make payment three different times on the month of XXXX, XXXX. So far I haven't seen any evidence they have process any one of the payment I sent.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My mortgage company charged me {$10.00} to make a payment online. Just a regular payment. It was called a one-time payment fee. Im being charged just for paying in full and on time ... .how is this legal? 

Company : Lakeview Loan Servicing
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

For a few months, I have been receiving mail stating that I owe money for a few tests that I got done a while ago at a private clinic. The debt amount is {$92.00}. I have already contacted my clinic and they confirmed that I had made my full payment. My bill had come out to around {$700.00} and I paid the full thing in CASH. The total includes the tests for me and my XXXX daughters. One of them is XXXX and is also receiving mail from a whole different company asking for nearly {$400.00}. I have already paid for everything over 6 months ago. I have asked for a Debt Validation Letter from the collection company. Now they are saying that they will report it to the Credit Bureau which is not fair.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TX)

Hello, I recently filed identity theft, and have retrieved FTC report. There are unauthorized inquiries on my account that I do not recognize. 

It seems my credit was fraudulently, and ran without my consent to multiple companies for the purpose of an auto loan. 

I have not given my wet signature authorizing any company to access my consumer report.
Consumer complaint received 2020-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MI)

My husband and I applied for a loan to repair our roof beginning XX/XX/2020. I had completed all documents online with OneMain Financial. They ran our credit twice and then provided us with a letter/email stating that if we wanted to know the reasons why we had we to request them, which as I understand it, is a violation of the Equal Credit Opportunity Act which requires that lending institutions tell you why you were denied. My husband received his letter today, dated XX/XX/2020.
Consumer complaint received 2020-06-26
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: TRUIST FINANCIAL CORPORATION (PA)

Filed dispute with my bank BB & T. They closed dispute and still have not gotten my money back for services not rendered. We booked a vacation with XXXX. They cancelled our trip on XX/XX/20. Our trip was for XX/XX/20 thru XX/XX/20. They have not refunded our money. We are owed {$2100.00}.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : XXXX XXXX CAPITAL ONE BANK USA NATION ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) Allege Amount Owed {$660.00} I have No knowledge of this accounts.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ME)

I authorized the payment of {$300.00}  to XXXX XXXX for a XXXX firewall to protect my computer, and had planned to make payments of {$100.00} per month up to the {$600.00} it cost for lifetime coverage, any computer. That was on XX/XX/2020. I talked with an XXXX ( it sounded like he was from XXXX ). I received an email XX/XX/XXXX that I could " upgrade '' my " subscription '' from 3 years to 6 years, if I wanted. I immediately called the phone number on the email and got an XXXX-sounding guy who told me that the email was wrong and he needed to change it. He needed to take over my computer again, so I let him. XXXX, I know now. He went to paypal and quickly changed some things, and just said, " just a minute '', when I asked him what he was doing. I didn't worry ; he sounded like the XXXX guy I had talked to, and when I asked him where XXXX XXXX was he said he was out on the floor. I believed him, unfortunately. He actually took a payment of XXXX $ and XXXX , and said they would cover the amount of {$300.00} dollars, which he would refund me. In short, he scammed me. I didn't know until XXXX XXXX from XXXX called me to ask what happened to the {$300.00} I had paid XXXX. To make a long story short, he showed me that I had been scammed by a guy named XXXX XXXX. This all happened on XX/XX/XXXX. XXXX XXXX went to paypal and tried to get their ( XXXX ) money back, but paypal said it wasn't authorized. Even though it had only been a couple of hours, Paypal had determined that I couldn't file a dispute about either the {$99.00} or the {$140.00}, or the {$300.00} dollars. They took the {$300.00} from XXXX, and won't give it back to me. I don't know what happened to the {$300.00} that I paid XXXX. It is impossible to reopen a disputed claim with Paypal when it's been closed. I feel that Paypal shouldn't have blocked me from getting any of my money back, and needs to explain what happened to the {$300.00} I paid XXXX. When I go to the website, it says it was an unauthorized transaction, and it's closed. I wasn't allowed any time to question or dispute anything. Paypal doesn't answer their phone now.
Consumer complaint received 2020-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

As I was scrolling through my credit report, I noticed that this company placed an false collection account on my credit report causing me not to be approved for certain things during this Covid-19 crisis. This bill is stemming from a medical bill that my Health Insurance carrier has  already paid to Dr , and I have the proof. Also the Dr office or practice isn't in business anymore due to Covid-19 during a Statewide shutdown of Florida.Bill has already been paid via Insurance company.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained a copy of my consumer report and identified several late payments reported on my XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX Account # XXXX ( Reported late payment dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXXXXXX Upon reviewing my credit report, I have discovered that these late payments are in apparent violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681a 2 ( A ) ( i ), which states : " Except as provided in paragraph ( XXXX ), 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 ; '' Additionally, the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

LexisNexis XXXX XXXX XXXX XXXX, a LexisNexis Company has violated my rights under FCRA Section 604 ( A ) ( 3 ). This company continues to retrieve my public information from XXXX  and sell my public records to a variety of its customers, including consumer reporting agencies WITHOUT permissible purpose. LexisNexis XXXX XXXX XXXX XXXX has fraudulent sold and used my personal and private identity information for financial gain.
Consumer complaint received 2020-06-26
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. (TX)

Returned my lease for XXXX XXXX and got new lease from XXXX a XXXX XXXX. However, six  months later I get a bill from XXXX XXXX stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX.i have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (GA)

Under XXXX. I have 3 collections causing my credit score to suffer. I have tried multiple times to have these removed to no end. 

Spring Oaks Capital for {$610.00} XXXX XXXX XXXX for {$580.00} XXXX XXXX XXXX  for {$360.00} I would like to have these removed. TXXXX suggested I contact the Federal Trade Commission, so that brought me here. 
Any help is appreciated in these matters. 
Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX  XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...
Consumer complaint received 2022-08-04
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)

The Credit Bureaus Transunion, XXXX and XXXX did not do a proper investigation according to the FCRA. The term XXXX XXXX Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, XXXX, Transunion and XXXX have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau XXXX, XXXX, and Transunion all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
XXXX, XXXX, and Transunion stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to the law 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. ( XXXX and XXXX used XXXX XXXX ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (IN)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX : Indiana Zip Code : XXXX Date : XXXX Credit Bureau Names : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. 


Dear Sir/Madam, I am writing to inform you that my identity has been stolen. I recently discovered that someone has been using my personal information to open credit accounts and make unauthorized purchases in my name. I have attached a copy of the police report I filed regarding this matter. 

I am requesting that you understand that this is a very serious timing and I need major help getting my credit file back into great standing with multiple security options to protect my credit reports and provide me with a copy of my credit report. I would also like to review the credit reports from all three credit bureaus including banks and consumer agencies to ensure that there are no fraudulent accounts or activities on my credit report and all will be removed or are in the process of being removed. 

Please provide me with instructions on how to dispute any fraudulent accounts or activities on my credit report. I understand that it may take some time to resolve this issue, but I request that you keep me informed of any progress made in this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I did not open ANY account with " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXXXXXX XXXX  and XXXXXXXX XXXX and Experian 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, XXXX, and XXXX. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and XXXX XXXX XXXX  verified the account as accurate when it was not. XXXX XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (WY)

In XXXX of 2022 I started getting e-mails and phone calls from a company called Affirm. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to XXXX showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for XXXX to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can verify my INFORMATION!!!!!