davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (OH)

Early in XX/XX/XXXX ( XXXX or XXXX. ) i received a call from Credit Protection Association, based in XXXX Texas. The agent informed me it was a debt collector and the call was in regards to a utility bill from New York for {$800.00}. I explained I never lived in NY. He asked if my last four of SSN was XXXX. I said no. I noticed in XX/XX/XXXX my XXXX  went to XXXX after many years at a high of XXXX the debt got posted on my credit report. XXXX XXXX XXXX wrote on my behalf and in XX/XX/XXXX my score went back to XXXX and the debt was removed. Now on XX/XX/XXXX XX/XX/XXXXXXXX XXXX a debt collector out of XXXX XXXX MN has the account and posted the debt on XX/XX/XXXX. Again my score is XXXX. I have explained this to them and now my SSN is attached to it. Someone along the way has changed the SSN.I have talked with XX/XX/XXXXXXXXXX/XX/XXXX XXXX they can't tele how account was opened, they can't tell me if they did a credit check like most utilities. XXXX XXXX XXXX can not give me details of the debt, just the amount. I do not owe this, and I have never lived in NY. XXXX XXXX has never initiated a calll to me and has never communicated that they intended to post on my credit report.
Consumer complaint received 2023-03-27
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report 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 2022-03-21
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. (LA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the XXXX complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I am a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that Experian, XXXX, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Consumer complaint received 2019-06-26
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)

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Consumer complaint received 2022-06-24
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collections account ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

XX/XX/XXXX I contacted Cardinal mortgage company regarding the status of an ongoing reanalysis of my escrow account that had taken nearly 45 day to correct. I was concerned about the delay because the payment might be reported late if not correct by the end of XXXX. I was assured by the company the payment would not be reported late if the matter was not resolved before XXXX. The matter was not resolved until XX/XX/XXXX. Cardinal reported the payment late and did not honor their words. The rep stated thr he would have it he late payment removed. I have a receipt to attest to this. It was not removed and remains. I have contacted Cardinal and the credit bureaus and it has not been removed or resolved despite proof. It has impacted my ability to get the best rate for a new home purchase. I have been trying to resolve this since XX/XX/XXXX. They will not correct the issues.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I contacted HSBC many times about my mortgage payments. I asked for an interest rate adjustment, refinance, etc. 

After some discussions I decided to enter an interest rate modification.The modification allowed me to send a mortgage refinance estimate from a competitor and then HSBC would beat their rate and adjust my mortgage rate. 

On XX/XX/XXXX, I carefully reviewed a 2 page contract send over by HSBC to adjust my rate. After reading the terms and conditions I esigned the document. This adjusted my interest rate to 2.9 % and allowed HSBC to keep me as a customer instead of refinancing with XXXX. 

I was then charged a {$1400.00} rate modification fee on my next mortgage statement that was not mentioned in my signed contract. HSBC provided a copy of the contract ( see attached pdf ) which does not mention any fees. 

HSBC is claiming that an email they sent contains additional terms. I don't see how an email that I didn't agree to can add extra terms to a contract I signed without those terms. 

I paid the {$1400.00} fee as I didn't want a late fee but I dispute the charge.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2020-06-29
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. (MO)

The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery and associates is continuously reporting unverifiable, inaccurate, misleading, & fraudulent information on my consumer credit report. A violation of federal law. 

After reviewing my annual report I have noticed that portfolio recovery and associates has reported to the three major credit bureaus. An account under the name : portfolio recovery and associates ; original creditor XXXX XXXX  XXXX. 

Back in XXXX of XX/XX/XXXX, I sent a validation letter to the company to accurately validate this account. 

As of today XX/XX/XXXX I have yet to receive a response. Meanwhile this account is being reported to the three major credit reporting agencies. 

My validation request was as follows ; : Provide a full detail & calculation of the debt they say I owe, : Provide last payment received, : Provide statue of limitations of which may apply in my state : Provide original creditors name address and contact information, : Provide a full description and proof that I agreed to pay the debt they say I owe, Again as of today XX/XX/XXXX I have not received a response. A violation of FDCPA section 809b
Consumer complaint received 2022-12-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I tried apply for a car loan one day then out of no where I look at the credit report that they give me and I see that Oportun was on there even though I never got approved for a loan with them and it started affecting my credit with late payments when I wasnt even aware of this problem. I never received any type of money from them or anything and I did not sign any paperwork for that loan
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Area Collection Service, Inc. (OR)

This business is coming after me for illegal charges and will not remove them from my credit report. It is illegal in Oregon for an apartment complex to charge for basic wear and tear. On my itimized list it shows that the apartment is requesting I pay for paint, paint labor, staff labor which is illegal in Oregon. I have requested the collections removed. This was also involved in a judgement which the collections company has on file showing the Judgement granted for {$250.00} and the company has willing ignored the Judgement as they house the records showing the Judges ruling. The amounts have also changed without payment from me because I do not owe this debt yet it has flutucated multiple times. The XXXX XXXX can not verify the money owed so they keep taking away and adding charges as they see fit. Fair Debt Collection Practices Act ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. They have requested I pay an amount that includes my deposit paid, normal wear and tear, and hourly paid staff for their work. The Judge has denied the request but the collections company will not follow the Judgement given. Attached is the itimized list, along with the Judgement amount on the last page of the documents the Judge granted. This company is making false financial statements that is effecting my credit and my name in a negative manner.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY! Account : 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 following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY!
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (WA)

Credit Collection Service XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Monday - Friday : XXXX to XXXX ET On XXXX CCS sent me a " password '' protected email in response to my denial of owing XXXX XXXX {$170.00}. 
I was unable to open the email. There was NO 'reset the password ' option. I wrote a letter, requesting they send the response by U S mail. 
I did not get a response by any means. No mail, no further emails. 
CCS elected to send the info to the credit reporting agencies, and I suffered a significant loss to my credit score. 

Who decides who's right? XXXX or me or CCS????
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (PA)

I received phone calls everyday from XXXX to XXXX est from Midland credit in the entire month of XX/XX/XXXX. I explained to them that this is not my debt, to send me an itemized report. They demand to get my social security number, that I'm a thief, I'm going to jail, and finally that all my things are going to be taken away and I'm going to end up on the street. They called my job, my landlord and my family members harassing them. I never gave out numbers, so it's scary to know how they got it. I received a court date letter, with a thousand dollars added to the original amount they claim I owe ( XXXX due, original XXXX ). I do not owe Midland Credit any money.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (FL)

I the consumer have contacted SANTANDER CONSUMER USA several times in regards to violations to my consumer reports requesting validation of listed account on consumer reports. I have yet to receive a response in regard to listed account. I have attached copies of letters sent requesting validation. Account does not belong to consumer.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2020-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX  IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX XXXX   CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. XXXX  PROVIDES NO ACCESS. ALSO I AM VICTIM TO XXXX  BREACH XXXX.