davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am using a credit repair service and I mailed 3 dispute letters to Equifax for review. The time frame has been longer than 45 days and I have yet to receive a response from Equifax. I mailed the first letter around XX/XX/2020, 2nd letter around XX/XX/2020 and the 3rd letter on XX/XX/2020. I haven't received one response from either of the letters that I sent. By law I know they are required to respond after 30-45 days, but I have yet to receive one response from them. I am paying for a monthly service and their lack of response is hindering my progress.
Consumer complaint received 2019-12-05
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. (PA)

My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I have the right to have this information removed due to the fact that i am a victim of identity theft.
Consumer complaint received 2022-07-30
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2019-12-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have the experian membership, I called and talk to someone at Experian about my Student Loans showing closed instead of open. They said on there side it is open and I called the student loan departments they told me there open and in great standings like just how they are period with no missed payments at all. Even on XXXX and XXXX my student loans report in excellent condition. The date I contacted Experian about this matter was XX/XX/2019. They told me to email the photos to XXXX which I did at XXXX XXXX. I followed up with Experian in the next 2 or 3 days they claim to not understand what I was talking about. I followed up again 3 days after that they claim to be working on it but still nothing haven't been done at all. I called in the morning and in the evenings over 10 times still nothing being done about it. 
Here is the message I sent Experian below : Student loan accounts from XXXX, XXXX are in good standards should say " Current '' and not closed. I'm still in school. When I called today the Experian rep it wasn't showing on Experian end the accounts were closed. Here 's proof how it shows on my end.
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX No. 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 2020-08-11
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: Experian Information Solutions Inc. (MA)

Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I recently went out to Capital One and paid my balance in full on XX/XX/XXXX bringing my account balance to XXXX dollars according to their website. I then get a new bill from them for {$52.00}. 
This was for Interest charges for purchases, and the last purchase I had made was back on XX/XX/XXXX. 
I called the company to ask how I got an additional charge after utilizing their site to pay off the card and was told that the site does not have interest calculated till the end of the billing period. Thus, the additional {$52.00} was owed. As I was talking to the agent she gave me that amount as my final payoff amount, and then came back and said it would not be just over {$53.00} dollars. On what purchases I asked and after a period came back and said the {$52.00} was fine and I submitted the payment and closed the card. 
I believe there should be better handling of interest on charges, clearer actual payoff amounts online, and do this possible " shady '' practice I no longer wish to do business with them. 
This policy seems to benefit them as the cardholder as it keeps that interest charges unknown unless you call, or wait for another bill and get a SURPRISE. 
So primary take away is that unlike many other companies I have found that Capital One is not truly fair to those who pay off their bills utilizing their online site. It's possible that someone, such as myself, believes we finally at XXXX, to just have another bill come.
Consumer complaint received 2019-12-05
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. (PA)

my information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my information and is using it to fraudulently open accounts in my name. I just got a copy of my credit report and examined numerous fraudulent account on my report reviewed
Consumer complaint received 2019-12-05
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. (SC)

Please remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX XXXXXX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX  XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Consumer complaint received 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I purchased a new build home and my mortgage was sold to PHH Mortgage ( XXXX XXXX  ),  which is the current company I am working with. Well the property taxes were updated and I followed protocol and sent them the update tax amount and they did not update on their end. Well now there is an outstanding balance and property tax is supposed to be built into the mortgage payments. I started this process on XX/XX/XXXX with no response, then again on XX/XX/XXXX which PHH told me it was resolved, it wasn't. I followed up again on XX/XX/XXXX and still nothing. On XX/XX/XXXX, finally after 4 hours of holding I got a hold of the escalations department, XXXX to be specific and explained my frustration and he told me they would handle it and call me once settled, which here I am on XX/XX/XXXX and no response from them at all. XXXX from their escalations department tried to tell me that is was paid, but was not able to provide a receipt showing that it was done. I have tried reaching out via email and phone today and just been placed on hold each time for a new department to help me. I have also contacted XXXX County to see if the mortgage company had reached out yet and they had no record of anyone calling to resolve the past due amount. Come XX/XX/XXXX we will owe double on our property taxes and still no resolution in sight. At this point I don't know what else to do or how to get a hold of the company to get this resolved. This is such a simple inquiry and no one is able to help me just take notes of my issue and tell me that they will call me or let me know when it's complete and then I never hear back. The level of professionalism and customer service at this company does not exist at all. No one knows where to direct you and no one knows how to follow up or follow through with issues. If this causes bankruptcy or a lean to put on the house I will take legal action and sue for damages.
Consumer complaint received 2019-12-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I HAVE PAID XXXX XXXX THE AMOUNT THAT I OWED ENABLE TO REGISTER FOR CLASSES! WHEN I RECEIVED MY CREDIT REPORT IT SHOWED THAT THE DEBT COLLECTOR ( CONSERVE ) HAD AN AMOUNT THAT WAS PAID FROM XXXX WHICH I AM NOT AWARE OF THE DEBT COLLECTOR. THIS IS FALSE AND I NEVER PAID A DEBT COLLECTOR I ONLY PAID XXXX NOT CONSERVE! I AM NOT AWARE OF THIS DEBT COLLECTING COMPANY AS I SORTED OUT WITH XXXX AND PAID XXXX!
Consumer complaint received 2023-03-16
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: Fidelity National Information Services, Inc. (FNIS) (NY)

It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. 

This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. 

Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
Consumer complaint received 2022-08-10
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. (NJ)

I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-30
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)

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

15 U.S.C. 1681 section 602 A. states that 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 an account without my written instructions
Consumer complaint received 2022-04-08
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. (NY)

Looking over my credit report and notice some a hard inquiries that I do not recognize and are all over 90 days old and this : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

In XXXX I received a call from a XXXX XXXX ( not sure why i even received anything since I became a college graduate in XXXX from XXXX XXXX XXXX XXXX XXXX University ), stating that i owed them for some materials i ordered from them for a class. I disputed with them then stating that this account must have belonged to someone else, or someone used my information. Why would i want to go to a XXXX XXXX when I already had my degree. I was told that they would no longer contact me, however it is 5 years later, and they are still showing on my credit report.
Consumer complaint received 2023-03-16
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. (NJ)

I recently received a charge off from XXXX XXXX XXXX the amount stated is not correct. The credit reporting agency Experian never gave me anything in writing of how the determination of the investigation was done. This is under 15 U.S.C 1681i. Also I never contracted to have my privacy violated without my written consent. I have a right to privacy. I feel that the C.R.A is biased in there decisions due to being paid by companies to use there services. I would like this deleted from my credit report due to the violations and identity theft use of my ssn was not authorized.
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX  XXXX XXXX # XXXX, Account XXXX  XXXX XXXX Account XXXX XXXX, Account XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account XXXX XXXX  # XXXX, Account XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX # XXXX, Account 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 2022-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Money gram don't want to take any responsibility on their fault, which cost me {$6000.00} Below are details for Court 's attention for preparing court orders to money gram. 
Transaction 1 : - Amount : - XXXX Place : - XXXX XXXX, NJ, XXXX XXXX : - XXXX Transaction Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) Receiver Bank Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022 Transaction 2 : - Amount-2001.99 Place : - XXXX City XXXX NJ, XXXX XXXX XXXX - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX XXXX Name : - XXXX XXXX XXXX Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX XXXX XXXX Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX XXXX  Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX XXXX bank statement : - XX/XX/2022 Transaction 3 : - XXXX Place : - XXXX XXXX, NJ XXXX XXXX XXXX : - XXXX Date : - XX/XX/2022 Sender Name : - XXXX XXXX Receiver Name : - XXXX XXXX ( Fraud Party ) XXXX XXXX Account Number : - XXXX Money Gram Tracking ID ( when money was being transferred to XXXX XXXX ) -Email was not sent to me by Money Gram but transaction occurred and amount was deducted from my bank account. 
Money Gram Case ID ( when complained by XXXX XXXX on this dispute ) : - XXXX XXXX XXXX Bank Transaction Statement ID : - XXXX Transaction Date reflected on XXXX XXXX 's bank statement : - XX/XX/2022
Consumer complaint received 2022-08-09
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. (MS)

XXXX Account number XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.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 ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
- 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
- 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report