davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (TX)

I am a victim of Identity theft. There are fraudulent accounts on my credit report that are not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I also have a NOTARIZED letter stating it is me that submitted everything to the XXXX reporting agencies. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2.
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX COMENITY CAPITAL BANK added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, COMENITY CAPITAL BANK has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

1-The morgtage company ( PPH ) is still expoiting me. 
2-They are now United with home insurance company XX/XX/XXXX to charge me extra. 
3-When I bought the property I have to change, find, and buy the home insurance which lasts for two months. 
4-when finally I bought the insurance the insurance company did not summit to the mortgage ( PPH ) company on time as it supposed to do until the next pay cicle or one year. 
5-So the mortgage company charging me a penalty of {$87.00} dollars for that two months until now. 
6-In XXXX I got a letter from PPH stating that I do not have home insurance that I bought from XX/XX/XXXXtwo month after I bought the property. 
7-I called my home insurance company and told them about the issue. 
8-The clerk told me she will call the pph to figure out. 
9-Then she called me back saying that insurance company has not submitted my insurance to pph on time. 
10-she told me I have to pay her {$95.00} dollars to fix it and told me the mortgage company will refund me the extra money they are charging me all the year. 
11-I waited and waited the refund she promised me.Finally I called her to check about the refund she told me from pph. 
12-in the mean time I received a letter from pph stating that there is a deficit in my escrow of $ XXXX. 
13-I called the lady of travelers and told her about the letter. 
14-she seemd has been surprised and told me I was supposed to get refund from pph of one year extra charge they were charging me, instead. 
15-to me or to other sane people feel as a coordinated exploitation of a consumer. 
16-I am just saying no Mortgage and insurance company XX/XX/XXXX.I am not saying not to pay state taxes.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE THIS
Consumer complaint received 2019-08-31
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: Continental Finance Company, LLC (CA)

In 2013 I open a card with Continental Finance for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (AZ)

On XX/XX/XXXX my granddaughter went in to XXXX XXXX XXXXXXXX XXXX to test drive a car. We told them that we were preapproved by XXXX  and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/XXXX.
Consumer complaint received 2020-12-16
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: CITIZENS FINANCIAL GROUP, INC. (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, CITIZENS ONE and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX SS XXXX DOB XXXX Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. 
The following accounts are listed that show late payments for 2020 : CAPITAL ONE BANK # XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. 
I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. 
The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld system inc Collection opened XX/XX/XXXX {$330.00} Was flagged as in collections twice in one week. Called XX/XX/XXXX to get information as to what and from where this collection was from. They stated was from XX/XX/XXXX. Faxed in proof XX/XX/XXXX that i did not live at address listed at the time. Called to confirm paperwork was received XX/XX/XXXX and they stated they had received and was under dispute. XX/XX/XXXX flagged as in collections the second time.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020, I sent a settlement letter and check to Midland Funding to settle a collection account. The letter stated that in exchange for the 50 % settlement, Midland would remove the account FULLY from my credit reports. The letter was delivered on XX/XX/2020. On XX/XX/2020 Midland cashed the check, and it cleared my account. As of XX/XX/2020, Midland has failed to uphold their end of the agreement, as the collection account is still being reported to the three bureaus and appears on my reports with a balance.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The following account is not mine from Portfolio Associates LLC.XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXXPortfolio Associates LLC .
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Constant barrage of collection calls from Midland Credit Management. I have no business with them and no defaulted or bad debts. My credit report reflects nothing even late and I have a very high credit score, but they constantly harrass me. Sometimes they call in rapid succession from different numbers, so it seems like three different entities are calling, but I research the numbers and they are all from Midland Credit Management. I also sometimes get random number calls prior to and after their calls. I have never received any official documents or mail correspondence from them, I have no information at all about whatever debt they are accusing me of holding, no amounts or dates of supposed debts, no creditor names or business information, no account numbers or anything else. Ive never received any notice about anything from them, just a sudden influx of harrassing calls that wont stop. If it was real they would correspond by real methods instead of robocalls. I can not trust them with my personal information, so do not provide them with it if possible.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

a couple months ago Chime closed my account without notice, I contacted them by phone & he asked questions about my last transaction I told him which was right. he let me know what information to send & also a selfie was need I sent that information immediately. They took almost a week to respond only to tell my account was being closed refer to a section in there deposit agreement & that i wasnt eligible for a refund so now im panicking! ive been contacting them since then & theyve blocked my number from calling & not responding to emails. can they just take my hard earned money like that?
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

In XXXX I contacted Citi bank to let them know that I was affected by the pandemic. They gave me 1 month extension for a payment. In XXXX I made a payment that brought my balance from 79 % 0we 'd to less than 10 %. The say after I made a huge payment they hit me with a late charge of almost {$60.00}. When I asked if there was something they can do about that. They stated they gave me a break in XXXX and it was a one time thing. When I stated that a just made a huge payment, a supervisor said it didn't make a difference if I paid {$30.00} or {$3000.00}. I had just made a payment over {$3000.00}.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Consumer complaint received 2020-05-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I opened an account with this firm back in XXXX. I was recently notified that a XXXX was issued on XXXX 15 years after I opened the account and well over seven years after the statue of limitations of XXXX   XXXX
Consumer complaint received 2019-10-23
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. (NH)

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and XXXX, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and Equifax. I disputed with each bureau. XXXX immediately removed it from my credit report but Equifax denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. Equifax admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the XXXX  data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (AZ)

On XX/XX/XXXX my granddaughter went in to XXXX of XXXX XXXX to test drive a car. We told them that we were preapproved by XXXX and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/XXXX.
Consumer complaint received 2020-11-24
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.