davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
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. (AZ)

I am a victim of identity theft. The following accounts and credit inquiry is listed on my Experian, XXXX and XXXX XXXX credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2018-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXXXXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a collection with Transunion XXXX XXXX that was previously disputed and removed from the credit report over a year and a half ago. It was later added back to my credit report only on Transunion not the other credit bureaus with no notice to me. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.

If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.

Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide a notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (SC)

I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately. 

Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, XXXX XXXX.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX XXXX XXXX as sustituted trustee scheduled a private trustee 's sale ( # XXXX  ) together with Select Portfolio Servicing , Inc. without compliance of the applicable laws.

I requested specific documents, and statutes under the applicable laws on XX/XX/2018 ( and also in XX/XX/2018 ).

SPS responded that they'll provide requested documents and statutes within 30 days, which I have not received.
Consumer complaint received 2018-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (IL)

I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. 

I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. 

On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. 

I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. 

On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. 

On XX/XX/XXXX at XXXX XXXX  I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. 

I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. 

Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.
Consumer complaint received 2018-06-20
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I contacted XXXX, Equifax, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from Equifax and XXXX. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Approximately 6 months ago a pop up came up to apply for the new Paypal cash back card when I signed into paypal. The card is supposed to pay 2 % cash back on all purchases. All the paper work, my monthly statements and the card itself state this. But evidently internally to the company it does not pay 2 % cash back.I have been promised a call from a supervisor numerous times and have never gotten one. I would like the company to be honest about what is going on.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXXfrom my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXXand will continue to make payments until the entire loan has been paid off. Recently TransUnion and XXXX   show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with XXXX they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (IL)

First, I bought the XXXX ETH and then sent XXXXETH to XXXX ( to external account XXXX ) on XX/XX/XXXX through Coinbase/GDAX account. 
I have a history on GDAX account and a record with email. 

XXXX : XXXX *XXXX token address - XXXX Secondly, XXXX   sent XXXX XXXX tokens to GDAX ( to account XXXX ) Please find thehash link below XXXX   XXXX XXXXXXXXXXXX XXXXXXXX GDAX told me they can't give or refund me XXXX tokens or XXXXETH. 
I don't know how can I solve this issue
Consumer complaint received 2024-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (PA)

About XX/XX/year> I received a debit card in my name from NETSPEND linked to a bank account at XXXX XXXX. I did not open an account at XXXX and I did not apply for or request a card from NETSPEND. I believe these accounts were opened from a list obtained through a data breach. I am registered with XXXX with intention to prevent unauthorized bank accounts and I have a credit freeze with the 3 major credit reporting firms. It should not have been possible to legitimately open a bank account in my name without my prior knowledge. 
When I contacted NETSPEND to get information about the source of this account and to close this account, I asked for written confirmation that it has been closed but was told written confirmation can not be provided. I think this shows disregard by NETSPEND for common customer contact procedures and responsibility. 
I have attached a copy of the card mailer from NETSPEND.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Account. 

Dear Sir/Madam, I am writing to formally dispute the charge-off account with the account number XXXX that has been reported by your bank to my credit report. It has come to my attention that this account has been sold to a third-party debt collector, and I believe there are serious legal and procedural issues that need to be addressed. 

Firstly, according to the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), it is your responsibility to ensure that the information you report to credit bureaus is accurate and complete. If you have reported this charge-off account as a loss to the IRS, then by law, you are required to send me a copy of the IRS Form 1099-C. To date, I have not received this form. Please send me a copy of this document within 30 days from the date of this letter. 

Additionally, since you have already sold this account to a third-party debt collector and presumably received payment for this transaction, you have effectively received payment twice once from IRS and once from the debt collector. This appears to be a violation of federal regulations and could potentially be construed as fraudulent activity. 

If this charge-off account is not removed from my credit report immediately I will have no choice but to report your actions to the IRS for potential tax fraud, as well as to the Consumer Financial Protection Bureau ( CFPB ) for investigation. 

I request that you investigate this matter promptly and correct any inaccuracies by removing this charge-off from my credit report. Please provide written confirmation once this matter has been resolved. 

I appreciate your immediate attention to this serious matter and expect your prompt response within the required time frame. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did you verify this account and what information do you have to send me proof of proper investigation? If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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