davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Management Company (PA)

Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.
Consumer complaint received 2023-02-02
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX blance {$4600.00}, XXXX XXXX  etc. There are XXXX of these accounts open. This letter is addressing all XXXX accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a 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 items 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 2023-02-02
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)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 2016-12-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank has both harassed and disrupted my business for over 3 hours this week. Synchrony Bank has placed a hold on a credit card associated with Visa and a major department store with no reasonable justification. Tonight, I presented myself with a photo ID and the credit card at a department store branch and Synchrony still refused to comply in explaining or releasing the hold on my account. Customer service at two of these department stores located in close proximity of one another shared that Synchrony was inconveniencing many customers this past weekend. Synchrony has cost me the ability to purchase items with earned rewards, promotions and credits. Please fine them for their poor business relationships and actions against customers.
Consumer complaint received 2023-02-02
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. (OH)

I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXXXXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX  XXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (PA)

I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am disappointed. I rechecked my credit report again and again and I just feel even worse. I am starting to consider XXXX treatments for the XXXX  XXXX this is causing me. I am rejected by multiple loan applications because of the inaccurate information being reported in my credit file.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also 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 instruction.

Attach is first letter I sent stating this
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (TX)

These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.
Consumer complaint received 2016-10-27
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shellpoint Partners, LLC (AR)

The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : Shellpoint Mortgage Service XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Line Item : XXXX XXXX XXXX, XXXX XXXX Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this information several times with the disputes department at XXXX and Shellpoint Mortgage Service. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX XXXX & gt ; XXXX & gt ; XXXX XXXX gt ; Shellpoint Mortgage Service then re-added to my credit report and now re-aged. This is a fraudulent practice.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

After I made a complaint. XXXX and XXXX XXXX had a party where they don't live in the house anymore. They had XXXX cars. XXXX was pretending to have a kids birthday party at night on a school night. They were turning on their car alarms through out the night. But their friends didn't like it cause I done it back to them. They had their friends park in front my house defacing my property with tire marks. I have it all recorded on my door bell camera. This was done in retaliation of my complaint. Somebody at Wells Fargo said the reason my account was closed was because I harassed XXXX XXXX. 

Well I have proof now they are harassing me. The time was recording when they started hitting their car alarm. I wasn't doing nothing for them to act like grammar school kids. 

If they had looked at the Bank security footage or spoke with the banker I was working with. They would see I wasn't harassing XXXX XXXX. The police didn't arrest me either. The harassment charges has been dropped because I got a lawyer. XXXX XXXX tried to set me up to get me arrested. 

I have no interest or car to go around XXXX XXXX. But she intentionally comes around me to falsely accused me of harassing her because she got away with it once. I never harassed XXXX XXXX. I don't care what Wells Fargo managers if they think I have. 

XXXX XXXX was giving car loans to her friends but wanted to financially ruined me and trying to make me homeless. 

XXXX XXXX had no right to have people over to harass me and my son. Then XXXX of their friends road raged out of the neighborhood. I have all the footage of the harassment recorded. With them harassing me and my son and disturbing the peace with them Turing on their car alarms. This is the type of employees they have working for them. And why customer service is so bad. 

As soon when it got dark. They started showing up. I had a right to file a complaint against XXXX XXXX for her trying to financially ruined me and have me falsely arrested even after the charges were dropped. 

Then causing me trouble at the bank. Where I can't have a checking account anymore. I want to inform Wells Fargo. There is no restraining order against me. XXXX and XXXX XXXX are not the victims. 

I and my son are the victims.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp. (CO)

A loan has been taken out in my name by United Auto Credit Co. I didn't approve this loan, I did not give them any details and I did not sign any paperwork. I don't know what this is for and how I have a loan for {$22000.00}
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

NelNet is reporting a closed account as still open. My student loan was transferred to another company ( XXXX ) in early 2022. XXXX cancelled/forgave total balance in XX/XX/2022. Nelnet is still reporting my account as open ; the two separate loan accounts I had with Nelnet were both transferred to XXXX. All three credit reports show the Nelnet accounts as still open. The Nelnet accounts are listed as open accounts with the credit reports and not listed as accounts paid in full and/or closed accounts. They were paid in full to Nelnet in early 2022 due to the transfer of lenders.
Consumer complaint received 2016-07-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I contacted Penny Mac Loan services on XX/XX/2016 during their normal business hours to make a payment. Made my payment over the telephone for {$1700.00} but it was not showing up on my account online account as pending when I logged on today.. I made another payment today to avoid any late credit reporting.I 'm disputing any late credit reporting as I made two payment in a month time. I attempted to put today 's date of XX/XX/2016 said payment would be posted XX/XX/2016. Disputing any late credit reporting as I made a telephone payment on Saturday, XX/XX/2016. I want this issue investigated.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-03-09
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. (GA)

I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I asked Ocwen Loan Servicing for a loan modification after my husbands illness. At the time I was behind in payments and was willing to pay longer for less a month. Instead of lessening my payments, they have charged me {$1200.00} instead of {$800.00} After the XXXX we had in the XXXX, I could not keep up.We had tree damage, very high heating bills and the co-pays on my husbands XXXX medications went up. I thought I would Get help from Ocwen, but I did n't. I agreed out of fear for my home.
Consumer complaint received 2023-03-09
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX