davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (GA)

On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NV)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX  has failed to delete old information on my credit report. Also the information provided by XXXX XXXX  isn't 100 % correct. 

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

Code 15 U.S.C 1681 Sec. 604 A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

The company - Amerisave - and the loan originators collected a refundable {$500.00} pre-paid closing cost fee. The underwriter did not approve the loan and the {$500.00} was not refunded after numerous requests. No explanation given.
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I had an auto accident in my vehicle, which was totaled. My main insurance paid the majority of auto loan off in the amount of {$11000.00}. in XXXX of 2021 and I had GAP Insurance for the remaining portion of loan, interest, etc. XXXX is the company that carried the GAP insurance when I purchased the vehicle and SanTander XXXX XXXX was to provide them with the remaining amount of outstanding balance of {$2500.00}. I am still being harassed by Santander XXXX XXXX, where they are telling me that GAP Insurance doesn't pay for any interest on loan, etc. and that I still owe their company roughly {$1600.00}. This discrepancy has been hitting my credit report all these months for absolutely no reason.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent 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 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

Our mortgage servicing company Loancare performing fraudulent practices. After we sent payment deferment agreement, I called to pay out escrow account which was created unlawfully and the company applied payment to 2 months which were in forbearance and later were included in deferment agreement. Nobody in the company is willing to resolve an issue. 
Also we are not able to make payment online.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXBank Act. # XXXX has violated my rights 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 an account without my written instructions
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (MD)

FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Is in Violation of False Credit Reporting. The account # assigned to my credit report is XXXX, I'm filing a complaint with FMS, XXXX  & XXXX. XXXX & XXXX   allowed FMS to alterthe dollar amount being reported and report to XXXX  & XXXX  that a {$1.00} payment or payments have been agreed upon which is false and showing on my credit reports as if I have made an agreement to pay or have paid. i have request from FMS, XXXX  & XXXX  to provide a copy of a contract or agreement that shows my signature, along with the type of payments Received ( Credit Card, Debt, Checking or Money Order ) I have asked for Proof of these payment being made and from which banking accounts. Showing an agreement was made. FMS, XXXX  & XXXX  has Failed to provide me what evidence or accurate information supporting that claim. In addition, I have asked both XXXX  & XXXX  to Block this company from reporting false, inaccurate and misleading information on my credit file. I'm asking that FMS be remove and or deleted for Altering Account Balane, Re-Aging, False Alleged Payment Arrangment dates and False, Inaccurate Errones Reporting that is a FCRA Violations. I want 100 % accurate information reported on my credit files showing corrections, removal & deletion of this company off of my credit report. I need proof other than E-Oscar verification, which is a computer generated response. FMS has tried to place unauthozie inquires on my credit report also without my premission or knowledge without my consent which is a violation.
Consumer complaint received 2020-10-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (NC)

I found out back in XXXX that a car was brought in my name by a family member. They literally filled out an application online and brought the car online through XXXX and had it delivered to them without my knowledge, this happen in XX/XX/XXXX. I found out in XX/XX/XXXX and called Bridgecrest and told them where to pick the car up at. I explained that a family member that was living with me brought the car online in my name without my knowledge and had stolen my driver license to commit the fraud. The car registration was never paid either since only I could go motor vehicle. The account is still showing on my credit and I want it removed since the car loan was never opened by me, it is a fraud account opened online.
Consumer complaint received 2022-12-03
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. (MS)

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. 

XXXXXXXX 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 an 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 XXXX XXXX 

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 2022-09-26
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: Atlanticus Services Corporation (DE)

in accordance with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1562 section 704A Section 2 it also states consumer reporting agencies can not post on my account without my written instructions Under 15 USC 1667B A creditor may not treat a payment on my credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

XXXX of 2020 I didnt receive the usual bill in the mail, I guess it was sent to the wrong house, and with coronavirus raging on the news I had other more pressing worries on my mind, however payment was sent but it was reported as late. It was the only time I had a late payment reported on my loan and this has deeply affected my credit score.
Consumer complaint received 2022-04-21
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NV)

XXXX My Gold and Arrival card are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, XXXX, XXXX, XXXX, and the hundreds of alternatives such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. XXXX ( XXXX : XXXX  ), XXXX XXXX ( XXXXXXXX XXXX XXXX  ), and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Consumer complaint received 2022-12-03
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: National Credit Systems,Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX closed my account without my consent and opened and reported a new account on my credit report which in turn destroyed my credit. I would never have consented to a new account since XXXX and it's customer service are horrible. I've called and was told they ended the advantage program and took the liberty to start a new account without my permission or knowledge. Had I known they planned on adding a new account to my credit report I would have told them no and refused to open a new account since I keep track of and know my credit. Just because a business decides to do whatever doesn't mean they are allowed to irresponsibly report and negatively affect it's customers. I closed the account but need all information dealing with it removed from all my credit reports
Consumer complaint received 2020-10-24
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. (VA)

There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery hounded me to no end. They would call frequently over five times a day. They would call with fake names on the caller ID. They were so unprofessional that I avoided them for a long time thinking it was a scam, before I realized they were a real company. But they made me miss time at work, they made me begin to fear answering my phone because I thought it would be them again. They were literally driving me insane. I still get calls from them from time to time and they have called before XXXX XXXX. and after XXXX XXXX on multiple occasions. I don't have the logs with me now but would be willing to provide them if need be, the problem is they called under fake name so many times that I don't know which ones to include. But there is an endless log of calls from portfolio recovery to my phone. This is my work phone so I have to answer the calls or lose money, which I'm sure I have lost a job or two to them at least. I also asked to be placed on their do not call list and they laughed at me and said they don't have a do not call list. They continued to call hundreds of times after that.
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..