davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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)

Experian is reporting that inXX/XX/XXXX I was 30 days late in paying a second mortgage to were XXXX  XXXX XXXX. At that time, my records show that we making payments for that mortgage to XXXX, not XXXX  XXXX XXXX. My Bank records show that I made payments to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OZK (AL)

My Mother passed awayXX/XX/2020. We went to a financial planner. ALL AFFAIRS WERE IN ORDER. We had XXXX 's, Were listed as joint on all accounts, and yet they refused to release any of the funds because they are waiting on their home office in Arkansas to approve the release of the $ XXXX in funds. We made appointments, traveled hundreds of miles, lost time on our jobs, all to no avail on XX/XX/2020.Our appointment was made 8 days prior to the appointment.XX/XX/2020. When we got there, nothing had been done, were told we would be notified today of any approval and and be overnighted checks. We began calling at XXXXXXXX today. No calls returned. The website for this outfit do not list an operations center or bank president. We are pulling at straws
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (FL)

On XX/XX/2003 XXXX XXXX XXXX was reported as a Hard Inquiry on my Credit report for Equifax. I have tried contacting them to please remove this inaccurate item off my credit report, I never gave permission for it to be ran or filled out.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-07-04
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: ID Analytics, Inc. (NV)

XX/XX/2020 XXXX XXXX uses a fake consumer reporting agency called sagestream llc. They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-20
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. (MO)

I recently checked my credit report and noticed an account I don't recognize. XXXX XXXX Account # : XXXX has TWO different balances pertaining to this one account #. I reached out to XXXX XXXX asking for proof of this debt 's original application or contract bearing my signature and they have yet been able to provide me with proof of debt. Experian has violated my consumer rights by furnishing this account. 

Under 15 U.S.C. 1681i ( 7 ) method of verification this account is in violation and was reported without valid evidence.

Under 15 U. S. Code 1681 e ( b ) and 15 U. S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I owe a debt ( credit card ), and I had been paying it down for a set of weeks. Once I got up the end of that set of weeks ( {$75.00} per week ), I had to pause my payments. 

The calls started coming within the next day, coming multiple times a day, from a variety of phone numbers. I know it is Portfolio Recovery Assc because I have call screening software on my phone, and it tells me who the number is set to. If I dont get a reading from the app, sometimes I call the number right back and its a recording for Portfolio Recovery Assc. 

If I answer the call, I get told a first name and that Im on a recorded line and they ask for XXXX********. I ask who may I say is calling? This is a personal matter, are you or are you not XXXX******? This back and forth can go on for a minute or two, and they really get menacing, at which point, I hang up.
Consumer complaint received 2023-04-03
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: V and H Portfolio (NY)

Submitted dispute with XXXX, XXXX, XXXX on XX/XX/2023 to remove collections account Vance and Hoffman LLC. It is reporting inaccurate information to all 3 bureaus. I do not possess any credit accounts with them or any company associated with company. Credit bureaus failed to properly investigate dispute and remove invalid account.
Consumer complaint received 2020-07-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (TX)

I became a NACA member with the belief that they could help me " Achieve the Dream '' of home ownership. I worked with them for over a year, doing EVERYHING I was told to do until I finally became " Qualified '' and instructed to look for a home. Found a home and became excited!!! I was given several closing disclosures, and several clear to close notifications beginning in XXXX but never moved to closing to this date XXXX. I went into contract on the property XX/XX/ and the seller became inpatient with the process and no real answer to what was holding up the process, she put the house back on the market. I was instructed to get inspections, structural engineering report ( costly ) and now I've loss the property at no fault of my own. I just don't think it's fair. I've been advised to look for another home but without knowing why I didn't get this one, I'm very discouraged about the whole process. I didn't get a denial just not an approval and the house is not available to me any longer. There has got to be something someone can do to help me. Just to get an explanation would be a positive start at resolving my issues / complaiint. Help me to understand what I could do differently to get a better outcome
Consumer complaint received 2020-07-03
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: OneMain Finance Corporation (CA)

ONE MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 ONE MAIN FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. ONE MAIN OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH ONE MAIN WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Consumer complaint received 2020-07-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (OH)

I have been recieving mutiple phone calls from a so called company name XXXX XXXX XXXX XXXX. Then they send me valdiation letter of debt from XXXX XXXX. The email was XXXX  claims divison. i try to look up their information and their is no information on this so called company as in XXXX XXXX  XXXX XXXX or XXXX. The orginial loan is from cashnet. I have paid off all my loans. Cashnet emailed me back stating that it is a scam and fradulent activity. The debit is from XXXX XXXX they can not give me an exact date and they will send me anything in the mail to back up their claims. I have asked them twice not to contact me. They continue to contact me. If anything the orginal loan was under 500 dollars. I do not recall ever taking that loan out. Nothing has ever shown up on my credit report regarding this loan. I take care all of debits cause of past mistakes. I wanted to clear this up but they do not want to work with me without a checking account which i will not give over the phone. Thank you.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

On XXXX XXXX, XXXX  I have made a purchase with XXXX for a total of $ XXXX. 
The transaction moved from XXXX to Paypal to my credit card XXXX Canada. 
I canceled the purchase within 48 hours which meant I was meant to receive a 100 % of the money. I canceled directly with XXXX. 

I saw a charge reversal on my credit card except for an amount of $ XXXX so I discputed it with my credit card company. I received a refund and with that it should have been done. 

A few months later Paypal took money from my account for around {$600.00} CAD ( I no longer have access so I don't know the exact amount ), because they claimed that I received 2 refunds for that total amount. 

I continued by sending them proof of credit card details showing I never received more than a cancellation reversal. 

They haven't accepted it, and never showed me proof that they have sent money to my financial institute like they claimed. They not only took a paycheck from me, they also froze my account and sent the left over to collection which is hurting my credit score. 

I have sent them 2 proofs showing that I have never received more money. It has been almost a year and Paypal have never gave me support as a client, and have made it extremely difficult to escalate and find a solution. 

I would appreciate support on this. I know my accounts are Canadian, but Paypal is an American company, and I am not sure who else can help me with this. 

Thank you for any support you can provide.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. I have a confirmation code of sending the money which is XXXX. Ironically I sent the same money to the same person 6 days earlier and that was delivered. There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. The money is missing. {$2500.00} This is a new complaint as my previous one ( XXXX ) was closed. Capital One response said the money was deposited to the recipient 's checking account. It was not. This time I attach copies of statements for that period. There is a desposit of {$2500.00} but it was a different payment on a different date which went through no problem. As you can see, {$2500.00} for payment sent on XX/XX/XXXX was never received. 

I need a refund now. I am using this way of solving the issue for the last time and I will seek legal actions if no resolution is offered. This is unacceptable. Maybe XXXX lost the money but I used Capital One to send it and it was not delivered. Sort it out with XXXX bank. I am not a XXXX customer.
Consumer complaint received 2021-04-13
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. (FL)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter that I filed as well for Identity theft.
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

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.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (TX)

I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on XXXX i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX has inquiries on my report from identity theft and they date back 2/3 year i have sent all documents in I want them removed. This is too much stress to much.
Consumer complaint received 2022-04-20
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2020-07-03
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX