davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (TN)

Today I received an alert that a collection item had been added to my credit file. I never received a letter from this company informing me of a bill of any sort. I was not afforded the opportunity to examine or refute anything in accordance with the law.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

I have 3 NCAC accounts being reported on all 3 of my credit reports, and have been trying to access my account online at NCAC ( national credit audit corporation ) and can only log on to see one of these accounts for which the reported address for me is inaccurate. The online settlement pay off offer is lower than what I was offered via email from an XXXX XXXX. I was told that they could not be corrected to allow me to see what is owed online. This makes no sense. Its like they dont want me to be able to see what is or isnt there. 
I also feel as though they are not being honest, as I was told by XXXX that she would have to call the original company to seek approval of a lower settlement amount. These accounts were sent and purchased my NCAC over 4 years ago. 

This is prohibiting me from renting an apartment and I will soon be homeless if this cant be addressed timely due to my current lease terminating on XX/XX/22. 

The only account I can get online access to is # XXXX. Account # s XXXX and XXXX do not pull up when I enter the required account # and last 4 of my social security #.
Consumer complaint received 2022-06-22
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # 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 2021-12-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Evergreen Financial Services Inc. (WA)

I had my daughter on XX/XX/XXXX and at the time she was covered by not only my work insurance ( XXXX ) but was also covered under apple health and XXXX XXXX XXXX 
i began getting garnished in XXXX of XXXX when I started my new job for what i had thought to be my car that i sold back to the bank. I didn't look further into this until a year and a half had passed and i kept getting new letters saying I was being garnished. being a single mom working XXXX  plus hours a week it was hard for me to stop my day and look into this as promptly as I should have after finally finding the time to do so i realized that i was being garnished for my daughter 's medical bills. i had been for nearly a year and XXXX had been double covered. when i contacted XXXX they gave me the dates my children were covered, i contacted the finance company who held the debt and proceeded with the garnishment and then contacted the hospital. When contacting the hospital after nearly a month of trying to get in touch with the person in charge in the finance department, she told me " Whoops i guess we spelled her name wrong, lucky you got me. i was about to send these last two bills to collections '' and giggled her way through the conversation. i asked her what about the other bills i was wrongfully garnished for and that began my circle everyone keeps sating contact the other. untimely the hospital got my child 's spelling wrong after forgetting to even give her a name to begin with and then over charged me, not sending me any notices, then garnishing me for money that was supposed to be paid by two insurance companies
Consumer complaint received 2021-10-28
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: Santander Consumer USA Holdings Inc. (TX)

I have been sending letters to the credit bureaus for a vehicle loan that has been appearing on my credit file. According to federal law, the creditor is to provide me with the original documentation when requested. I have mailed them a request for method of verification and supporting documents since XXXX. The only response I am getting from the bureaus is that they can make a decision without having to contact the lender. I have rebuttled their argument by stating that they have to provide me with all the original documentation to prove to me that this is my account and they are not able to produce such documentation.
Consumer complaint received 2020-11-03
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)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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 2021-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Please accept my apologies for my persistence. However, I received my statement and there are questions that remain unsolved. 

As of XXXX XXXX my installment of {$1300.00} is due. 

Also, the XXXX mortgage has not been paid as I have not received the requested form signed by you for Mortgage Assistance. I sent it to you and the Mortgage verification form was confirmed as received. The XXXX mortgage will get paid as soon as I receive the requested form. 

Since my mortgage was never re-affirmed, my understanding is that my current due balance is {$2700.00} for both XXXX and XXXX. Yet, the XX/XX/XXXX statement says the amount due is- {$2800.00}. 

Why am I being charged {$51.00} extra without a clear explanation on the XX/XX/XXXX statement? 
My past unpaid payment is listed as : {$1400.00}. 

If this {$51.00} happens to be one of the several legal fees that you are requiring for me to pay, shouldn't that fee be listed separately and not disguised in my past unpaid payment? 

Thanks!
Consumer complaint received 2021-04-12
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: WELLS FARGO & COMPANY (NV)

While checking my credit report, I notice an account from WF/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WF/XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Hello, my name is XXXX XXXX and I am writing to inform you that i am a victim of abuse of my life by these persons name CREDIT ACCEPTANCE, XXXX XXXX under the fair credit reporting act 15 usc 1681 ( a ) They lead me under false pretences that I am the individual thats responsible for THEIR debt Took my property and title and crashed into another person under my name now the department of transportation is asking for fines & fees that again does not have an obligation on me!
Consumer complaint received 2022-10-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-05-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Americas Car-Mart, Inc. (MO)

It was written off. In first place I had ins with them car was totaled and they were paid, then they tried to get me to pay again. I was sent letter it was written off and it's not being taken off my credit
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Initially my bank paid my XXXX mortgage twice by mistake for {$1600.00} each time. 
I called Fifth Third Bank on XX/XX/XXXX and requested a refund I was told I will get a refund and the associate could not even find out if it will be a check or a reverse payment. 
By XX/XX/XXXX ne payment was received I contacted XXXX from Fifth Third Bank and she said a check was already mailed. On XX/XX/XXXX a letter stating my extra payment would be credited toward my account was received, I did not request this and it was not credited nor did I receive a check. 
I called Fifth Third Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX she said the money was applied to unissued credit, then I told her a check was supposed to be mailed. She then changed her answer and told me a check was mailed but could not give me a check #. She refused to connect me to her supervisor and put me on hold 10 minutes. I called back and XXXX again refused to connect me to her supervisor and just put me on hold again. I never received this money and the payment of {$1600.00} was never applied to my account.
Consumer complaint received 2022-06-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (GA)

Hard inquiries from both XXXX XXXX XXXX XXXX XXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Consumer complaint received 2022-12-09
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: World Acceptance Corporation (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, 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 an account without 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 purpose.
Consumer complaint received 2022-06-22
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. (SC)

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ELECTRONMER. 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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: Paramount Recovery Systems, L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a certified letter to Equifax to remove some inaccurate information on my credit report ; they were four accounts. I got my certified receipt back saying that a XXXX XXXX received it on behalf of Equifax on XX/XX/XXXX. XX/XX/XXXX I heard nothing and gave them a 15 day grace period. After the 15 days, I sent another certified letter to them on XX/XX/XXXX with a copy of the return receipt, my original letter, and a new letter saying that they are 30 days past due and need to remove the items. XXXX XXXX again received it on XX/XX/XXXX. I called Equifax on XX/XX/XXXX to follow up and according to Equifax XXXX XXXX ( XXXX  number : XXXX ) my XX/XX/XXXX letter was not received and the investigation was barely started on XX/XX/XXXX. They had no record of the XX/XX/XXXX letter being received, despite me having proof via the return receipt that they received it on XX/XX/XXXX.
Consumer complaint received 2022-06-22
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. (FL)

DEAR CREDIT BUREAU EXPERIAN : I am sending this letter to your response to information discovered on my credit reports. Be advised, this not a refusal to pay, but a notice sent pursuant to the Fair Deb Collection Practices Act, 15 USC 1692gSec 809 ( b ) that your claim is disputed This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the information found on my credit reports. I respectfully request that your office provide me with complement evidence that I have any legal obligation to pay Please provide me with the following : 1. An explanation showing what money you say I owe is for ; 2. An explanation of how you calculated what you say I owe ; 3. Copies of papers that show I agreed to pay what you say I owe ; 4. A verification or copy of judgment if applicable ; 5. Alleged account number 6. Proof that you can identify the original creditor ; 6. Proof that the Statute of Limitations has not expired on this account ; If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased Your non- compliance with my request will also be construed as an absolute waiver of all to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I request all further correspondence regarding this SUSPECTED debt collection to be sent via mail For the past 36 months, I have submitted supporting evidence that I am a victim of identity theft SUCH AS POLICE REPORTS AND FTC REPORTS and you have ignored them in violation of the Fair Credit Reporting Act. 
THIS ADDRES XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ITS INACCURATE HAVE NEVER LIVED THERE ATTACHED ONE MORE TIME IS A COPY PROOF OF ADDRESS. THANK YOU FOR YOUR TIME AND CONSIDERATION IN THIS M TTER, PLEASE FORWARD ANY CHANGES TO MY CREDIT FILE AND FURTHER CORRESPONDENCE TO THE ADDRESS ABOVE XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX