davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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)

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense oXXXX XXXX XXXX XXXX XXXX. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a XXXX. 

The XXXX XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

XX/XX/XXXX was incorrectly charged XXXX in property taxes XX/XX/XXXX problem was resolved with the county and a refund of XXXX was issued to my mortgage company They have refused to acknowledge the refund and adjusted my payment to reflect the higher tax amount which raised it XXXX. 

I emailed the corrected bill in XX/XX/XXXX. 

I contacted them by phone a number of times in XX/XX/XXXX and XX/XX/XXXX. 

I faxed correct figures from the county website XX/XX/XXXX to XXXX at PHH. 

I received my 2022 tax notice XXXX weeks ago and PHH website still does not reflect the correct tax amount.
Consumer complaint received 2022-06-07
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. (KS)

I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX on my Experian and XXXX report XXXX I have no knowledge of this account. I disputed this Experian and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Consumer complaint received 2022-06-07
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. (KS)

I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and Equifax report XXXX I have no knowledge of this account. I disputed this XXXX and Equifax and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Consumer complaint received 2023-02-19
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-07
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. (PA)

XXXX  XXXX ignored my identity theft statement. They sent me a letter XX/XX/XXXX saying the account is mine someone I know or me has connections to the account. This account is not mine it is fraud. The consumer can only validate an account this is violating my rights. I have my identity theft report.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

usaa rejected 3 of my payments when i had money in the bank. not only did they charge me XXXX dollars but one of my payment companys charged me a XXXX dollar return fee. USAA returned XXXX dollars but not the whole amount which they caused me to be charged. I'm asking that USAA return XXXX dollars in total that is still not returned. attached are screen shots.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have contacted the company XXXX XXXX directly, as well as the Collection Agency -Credit Collection Services . which is they are using. They are trying to collect a debt in the amount of {$2300.00}. I contacted both these companies in XXXX of this year ( 2022 ), to explain this this account is not mine. The account was supposedly opened in XXXX 2022. When speaking to the person at the Collection Agency, the debt is not even under my current name, but rather my maiden name which I have not used in over 21 years. The address that is listed for the account is also an address which I have never lived at.I have not heard back from either company. I have NEVER received any correspondence pertaining to this account, either by mail, phone or otherwise. This is the second time my name is being used fraudulently, as an application for unemployment was also filed under my name last year, which I also reported but never heard anything back. I have also been in contact with the credit score companies regarding this, and they continue to claim that this information is accurate, which it clearly is not. I do not even know what kind of company this is, but I think maybe cable or cell phone.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (GA)

XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from XXXX and experian. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now im vary confused as to what to do next. i cant be responsible for something thats not mines.
Consumer complaint received 2022-06-07
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. (MO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (PA)

I have had an American Express gift card saved, sealed in an envelope that it was originally purchased in ( {$300.00} total ) since XXXX. The card expires in XXXX. I recently went only to use the card and checked to see if an activation was required on the company website. I discovered that recent fraudulent activity totaling {$290.00} with various merchants had occurred. I contacted American Express as requested on XX/XX/XXXX ( XXXX ) and was notified that this had occurred. I was informed that they could not resolve any disputes or issue refunds, fraud protection, etc and would need to work with the merchants directly ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX After speaking with them I went back to their site to obtain the transaction information and discovered my account was locked so I could not access this detail to reach out to merchants. I called back and was told this would be emailed to me within 24-48 hours. I did not receive an email while giving them additional time ( including weekend ) and called again on XX/XX/XXXX and was able to have my account unlocked to receive transaction detail. I contacted the various merchants and was informed I that I would need to work with American Express to resolve as the transactions were managed through their card. I spoke again to Amex to re-suspend my account and questioned again why they would not honor any fraud protection when they failed to provide adequate security ( Ex : card activation ) and other gift card companies do refund the card holder. I escalated the issue with card services and was just repeated that their card holder agreement does not permit them to manage disputes. I was told yes, their policy essentially is if an individual has one of their products and has money stolen unless they alone can work with a merchant for a refund they are out of luck.
Consumer complaint received 2022-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

NelNet Servicing LLC along with the department of education sent me a letter saying that any payment made. on my federal student loans made after XX/XX/2020 I am entitled to a refund which in total come up to {$9900.00} but the company that took the money which is XXXX XXXX is telling me that they are not giving me a refund of those payments. They are saying that XXXX is the bank that issued the loan and they not giving my money back either. The date of XX/XX/2020 is the day I became total and permanent XXXX. Firstmark Services is a division on Nelnet the company that sent the letter XXXX ID # XXXX
Consumer complaint received 2022-06-07
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: CCS Financial Services, Inc. (OK)

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 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 an account without my written instructions 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 2022-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage offered the XXXX relief program just like every other lender in the XXXX. Based on the fact that I lost hours with my part-time job I took advantage of this program. After the XXXX moths I was prepared to begin the process of making payments again. Initially I was asked for a list of documents, from a person that I talked to on the phone. I got those documents and sent them to the XXXX, a couple weeks later I got a letter that stated " more documents are needed '' and nothing more. I called again and they said they would send a letter with more updated information on it. On the follow-up letter it said that they needed paystubs and bank statements, I also verified verbally that this would not affect my credit and was told that since I am in loss mitigation status again, there would be no negative impact on my credit. I sent over the pay stubs and bank statements for my main institution, along with a statement as to why I took advantage of the XXXX  relief program. A few weeks later I got another letter asking for Proof of XXXX ( Award Letter ), XXXX XXXX XXXX Return ( All Pages ), 2 Month Bank XXXX ( all pages ), Financial Worksheet, XXXX, Proof of Additional Income. I attempted to call them on XXXX different occasions with the wait time lasting over an hour, and no time to wait for that. On the back side of the letter it states, " Please be on the lookout for a call from us. We'll follow up on this documentation request and answer any questions you XXXX have. '' This statement led me to believe I did not need to wait on hold and someone would call to help me. On XXXX XXXX, I got a notice saying I was 180 days past due onmy credit report and my home was being processed in foreclosure. I called in and explained and was repeatedly told this was my responsibility and I needed to call them. Also, that even though they told me I didnt need to pay I should have and this falls on me.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (FL)

Good afternoon, The representative I spoke with stated that after payment was made to rectify the account, the account would be removed from the 3 credit bureaus that it is being reported to. Now I've started the mortgage process to secure a home for my family and this negative account is still showing on my credit reports. My process is now at a standstill until I can get this matter rectified. Please honor our original agreement and send a request to the credit bureaus to delete this account from my credit reports, thank you!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights 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 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 2022-06-07
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. (MS)

The Credit Bureaus XXXX TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXXXXXX, Account Number XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
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: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-15
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. (FL)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX XXXX & XXXX 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 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.