davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION (TN)

Hello, My Name is XXXX XXXX XXXX e-mail is : XXXX This Company is " Oportun XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, The XXXX, TX a scam company and has refused to close an account I never activated or agreed to any Credit Card Terms. They never would give me the terms and the Credit Limit. When they did finally send me a text telling me the Limit I told them I did not want the account and to close it since I never activated any cards. They now will not take my card unless I know all 16 numbers of the card which I never received a card in the mail. I received a Stmt showing I owe them {$49.00} for what I do not know but this Company is scamming me and I want this complaint filed to the maximum of the law and I will also dispute them as a scam through all 3 repositories and will not pay the {$49.00}
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid XXXX pandemic is still active and in place. XXXX XXXX XXXX  for the months of****XXXX  and XX/XX/XXXX are reporting XXXX late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX  and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned Credit Bureaus.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I received an Email from Experian billing Department that they was trying to bill a old Checking account ending in XXXX that I had Canceled for their Experian XXXX XXXX membership. I right away contacted Experian billing department in response to the Unauthorized billing and that the account they are trying to bill had been canceled and requested proof that i had authorized them to bill that account which i knew they would not be able to do because i have never contacted Experian nor requested any information about the their XXXX premium product. I was advised by a Experian billing representive that it is something that they offer and after time will bill the consumer i stressed to the billing representive that i had never spoke to anyone or requested any membership for this product and I didn't give any authorization for them to bill the closed banking account ending in XXXX. I was made to believe that this matter had been resolved only to received another email on XX/XX/2022 from Experian billing department where they again is trying to bill my old checking account ending in XXXX without any Authorization which is illegal and can be labeled as attempt theft of unauthorized funds from a Consumers banking account. I have attached emailed proof from Experian of unauthorized billing attempts.
Consumer complaint received 2022-09-19
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)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXXXXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX  DATE XXXX
Consumer complaint received 2022-04-11
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. (NJ)

XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions. 

15 U.S.C 1692C- States that 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
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I used Venmo and my account was frozen without notice. I have no access to my money in the account and there is no one who can give me any explanation as to why it is frozen. I uploaded my state issued ID like they asked for and that did not work. My friend sent me money to build a wheelchair ramp for her son. I can't complete the ramp until my money is returned. This is a safety and health issue for him. It's not right that they can hold money XXXX like they are doing.
Consumer complaint received 2022-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (GA)

I sent a letter to Exeter Finance on XX/XX/2022 asking for Debt Validation and full disclosure according to the Truth in Lending Act 15 USC 1631 under disclosure requirements. A letter was mailed back from Exeter but it only included a copy of a contract that was NOT created by Exeter, but by XXXX Used Cars and it was fraudulently signed. The lease does not include a right to rescission 15USC 1635 and it also states that I gave a security interest in purchasing the vehicle, which the debt collector could not properly explain. 

The letter also included a request to cease and desist all communication while the dispute is in process and they have both still communicated with me and failed to provide me with proper documentation. My credit score is continuing to decline because they are also still reporting incorrect information to all 3 credit bureaus
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report. 

XXXX Account : XXXX. 


The Consumer Reporting Agencies all report different information and only verify with a 3rd Party thus ifgnoring the right to privacy and 15 USC 1681 According to my written Instructions. The bottom line is, there are multiple in accuracies!!! Open Date is inaccurate, the late last active is inaccurate and the Date last reported is inaccurate. This is grounds for removeal. They also violated my rights inder the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
I was recently emailed by a representative of XXXX XXXX XXXX and she was properly notified of the Inaccuracies and made aware of the Law. She ignored the law directly and is willfully Noncompliant, whichis a violation Ferderal Law 15 USC 1681n.

There is no End to the dagamage that this company and the Agencies are allowed to inflict on Consumers.

The fact that They Reached out to me directly is a violation of Federal Law. 15 usc 1692c Communication when attempting to collect a debt. ENOUGH REMOVE THEM FROM MY CONSUMER REPOT IMMEDIATELY NO WAITING I submitted a previous complaint with the CFPB and the Attorney General 's Office. TheseCompany XXXX XXXX XXXX and Agencies refuse to follow any Federal Laws and continue volating my rights and costing me dearly.
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

You are servicing an account for XXXX XXXX, the account is a foreclosure and we are in the process of purchasing it. 



The property address is XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 



We were to close on Friday XX/XX/XXXX, but the XXXX XXXX ( or whomever handles the sale ) sent the deed and documents not to the title company were using in XXXX Maryland, but to a completely unrelated title company in XXXX Virginia. 



As buyers, we have been perfect. We have done everything SPS has asked of us, but every step of the way we have incurred financial harm through the direct fault of SPS. 



To name a few : Needing a home inspection but SPS is unable to have utilities turned on promptly as stated in the purchase contract. As a result, one inspection must be done on a Saturday incurring an additional {$200.00} fee from the inspector from the weekend hours. This inspection only had the electricity on, but not the water and gas so were unable to do a full inspection SPS then is able to dewinterize the property and turn the water and gas on, a new inspection must be completed during the two day window we are allotted for when the property is dewinterized. A new inspection is done for {$500.00}, as the inspection was done on short notice SPS adds padlocks to the garage door tracks and backyard fence gate. This will now require a locksmith to remove, at a cost estimate of {$480.00} SPS removes the front fence gate post and gate. This will now incur at least a {$1500.00} fee to have it fixed once we are able to take ownership of the property SPS demands we close by XX/XX/XXXX or incur a {$100.00} a day charge for each day thereafter. SPS changes closing to XX/XX/XXXX and listing agent does not return calls or text messages when offers are made to close earlier as requested by SPS Closing scheduled for XX/XX/XXXX. SPS does not provide seller documents to title company. 

Title company, our mortgage company, and real estate agent are unable to reach SPS or listing agent after dozens of attempts on Friday. No answer as to where deed is. 

XX/XX/XXXX, SPS states that whoops, deed is over in XXXX, makes no attempt to rectify XX/XX/XXXX, no response from SPS as to request for damages of {$2500.00} due to just the fence and delayed closing. 

XX/XX/XXXX, we receive notice that after being cleared to close SPS is now demanding a last minute closing extension document that they have failed to produce and send to us despite knowing that the closing date was extended. 

XX/XX/XXXX, we will be meeting with a real estate attorney to consult our next steps to possibly sue for damages. 

We need to know whats happened here, and what will be done to fix this. We sold our property on XX/XX/XXXX in good faith with the expectation that SPS would be honoring their purchase contract and allowing us to close as agreed on XX/XX/XXXX. We are now 4 days without owning a home due to, what I hope arent deliberate, errors made by SPS at every step of this process. 

I can be reached at XXXX or by email at XXXX XXXX
Consumer complaint received 2023-03-23
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. (MI)

Date : XX/XX/XXXX XXXX XXXX XXXX Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX *** ** XXXX ( social security )
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (PA)

There is a debt on my credit report for National Credit Systems for {$870.00}. The collection was first opened XX/XX/XXXX. I wrote multiple reports stating that I was a victim of fraud and did not have any knowledge of the account. I called the agency and was told my collection was turned over to a lawyer in GA. I lived in PA all my life. I never received anything at all stating that I was being sued possibly. I never received a response. On XX/XX/XXXX, the collection was removed ( from XXXX ) after my several attempts of dispute. A couple weeks later, it was no notification of reinsertion. Sometime in XX/XX/XXXX, the same collection was removed from my XXXX report. It was reinserted without notification on XX/XX/XXXX. Then, after several disputes once again it was removed from XXXX, XX/XX/XXXX. Then, it was reinserted without notification once again on XX/XX/XXXX. According to the FCRA, the consumer reporting agency is REQUIRED TO SEND THE CONSUMER WRITTEN NOTIFICATION 5 BUSINESS DAYS THAT THE INFORMATION HAS BEEN REINSERTED ON YOUR ACCOUNT, IF NOT THE ACCOUNT HAS TO BE DELETED. The agency never VALIDATED my account. This a violation of my rights. If this is not removed FROM ALL BUREUAS, I will have to take legal action.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: REGIONS FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  account # 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 can not furnish a account with out my written instructions.

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.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-08-22
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: Santander Consumer USA Holdings Inc. (MD)

Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX