davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX XXXX XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records trom the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAAN status ( Paid As Agreed, Never Late ) according to consumer protection laws
Consumer complaint received 2022-11-01
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. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (GA)

In XX/XX/XXXX I purchased a used auto financed through Global Lending. Monthly payments were made in the amount of {$390.00} during XXXX. So in XXXX I made a balloon payment in the amount of {$4000.00} and requested that this payment be credited toward the principal balance. As of XX/XX/XXXX this has not happened even after at least 3 phone calls with various customer reps. If this had been done as requested I would have saved over {$1500.00} in interest charges alone. Isn't this illegal. One attached document shows {$3200.00} as a credit.
Consumer complaint received 2022-11-01
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 put in a complaint on XX/XX/22 ID # XXXX and a follow up complaint ID # XXXX on XX/XX/22 concerning item # XXXX on my credit report. I received dispute results in the mail today as account verified as accurate. I don't see any updated information on the item or the furnisher of this information. It appears that it was verified by the XXXX court which I know isn't true because the court sent a letter saying they don't report to the credit bureaus. Which I attached to this complaint.
Consumer complaint received 2022-10-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (DC)

Hello, I sent in a request to PHH mortgage XXXX XXXX explainingthat on XX/XX/XXXX, I reached out to the company. At that time my mortgage was LESS than 90 days late. I spoke to a representativeon the phone and she told me exactly what I needed to send in to bring my account current. I sent a cashier 's check of {$6300.00}. That money covered XXXX, XXXX and I was paying my XXXX payment in XXXX. I paid all the way up till XXXX. However, Ocwen claimed that they never receivedthe payment. They said they were researching the payment. I went to my bank and got all the receiptswhich revealed that I got a cashier'scheck on XX/XX/XXXX for {$6300.00} and on XX/XX/XXXX for {$670.00}. On XX/XX/XXXX, Ocwen transferredto PHH and you all lost my payment in the process. I was told not to pay again until XXXX while they look for the money. When the money was found I wasn't even notified, I was never treated with any respect, no one ever returned my emails or my calls. I had to call around the clock! In the end, you never acknowledged your error. On XX/XX/XXXX, I once again reached out to see what was going on with my mortgage and I was told by XXXX XXXX that I would be notified by mail. The mail came and I read that my house was in FORECLOSURE! I was mortified because how was my house in foreclosure when I paid my bill and I was never over 30 days behind? The company forbade me from sending in my XXXX payment until they found the lost payment. I filed complaintswith the XXXX  and the Consumer Protection Agency and I am doing so again. Your company responded to my complaint on XX/XX/XXXX and the letter stated : '' On XX/XX/XXXX we receivedfunds in the amount of XXXX which was applied to payments for the period of XX/XX/XXXX through XX/XX/XXXX with an effective date XX/XX/XXXX ''. This response did not address my issue, it doesn't acknowledge that my money was lost by PHH/ OCWEN in XXXX and that XXXX was what I was forced to pay to get my house out of a foreclosure it never should have been in in the first place. I request that the existing fees be waived as I never earned them. Also, any money I was forced to pay that I did not owe associated with a foreclosure that was NO fault of mine be sent. I have sent you copies of the funds i took in XXXX. In XXXX of XXXX, I owed XXXX and XXXX as it was not the end of XXXX yet and I paid what was owed, this company is unprofessional and you are dishonest and lack integrity. I want my letter to be properly addressed this time and I want the fees removed from my mortgage expeditiously. I
Consumer complaint received 2021-09-10
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 — Problem with personal statement of dispute
Company: CarMax, Inc. (MI)

On XX/XX/XXXX I sent a letter to Carmax about the inaccurate information about the amount that was owned by me and a spouse at the time. I asked them to send me paper work in regards to the vehicle being repossessed in the cities of XXXX or XXXX  XXXX, MI and why I was not notified about this matter and how much was it sold in the amount of. I did some investigation and saw it was sold back on XX/XX/XXXX but with no amount as to how much. I then sent a letter to CARMAX give them 15 business days to respond back to me on the matter. I received no responds back. 

The three credit bureau 's shows even more in-accurate information as in high balance being {$13000.00}, Balance {$5400.00} and showing collection/ charge off with no comments showing repossessed and what it was sold for. 

Carmax is still growing interest on my credit report and at 13.05 % interest rate and the payoff balance is {$8800.00} as of XX/XX/XXXX, subject to change. 

On XX/XX/XXXX I sent a letter to all 3 credit bureau 's with a dispute of all the in -accurate information showing on my credit they did a investigation and the only thing i received was an update but nothing changed. XXXX never respond to me at all about the dispute. For every matter I sent a certified letter with the post office also. There is no dispute with XXXX at all also. XXXX did only an update of the same information that was already there.
Consumer complaint received 2022-10-31
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: Credit Karma (WA)

I noticed a XXXX hard inquiry via creditkarma.com I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX  in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXXXXXX XXXX XXXX  according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.
Consumer complaint received 2022-10-31
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. (IL)

XXXX  by XXXXXXXX XXXX company broke some US Laws.

PLEASE GO AFTER THIS COMPANY I ALSO REPORTED THEM TO THE ATTORNEY GENERAL I HAVE MY ACCOUNT NUMBER TOO.

THEY ALSO HAVE HAD MANY CLASS ACTION LAWSUITS 1. 1st Law Harassment ; In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

2nd law : Late charges on credit report are illegal By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Because of these violations, my credit score has suffered and i have lost XXXX of points!!!!! 

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the timeshare at the same rate as someone else. These timeshares discriminate based on a persons background not necessarily their credit. Its unlawful for the timeshare to discriminate against a person for a purchase! This is unlawful discrimination!!!

4th Law : With me being the consumer, I never received any time of payment for this timeshare thats already paid for. I never received cash, check, card, or etc. This is a violation of the recission for this timeshare With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership.

THIS IS AGAINST THE LAW!

Violation of 15 USC 1679a! 

im submitting this on behalf of my fiance XXXX XXXX im also on the timeshare too
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX
Consumer complaint received 2022-11-01
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. (NY)

The following alleged collection account, XXXX Funding, is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$600.00}. This account is reporting inaccurately. This is a violation of the FCRA and is in violation of the requisite XXXX Complaint reporting standards. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand this derogatory item to be DELETED from my report immediately. 
15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by Portfolio Recovery Associates by them claiming that my Estate owes an alleged debt while there violating my fundamental right to privacy. I was unaware that Portfolio Recovery Associates was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt Portfolio Recovery Claims is my personal debt along with my personal information was sold to them by XXXX XXXX. I never agreed to that. After realizing that Portfolio Recovery Associates was unethical, I decided to look into their license to collect debt in California. Portfolio Recovery Associates is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from Portfolio Recovery Associates because I can not obtain goods for my personal, family, and household benefit.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TX)

My Mortgage company, Selene Finance LP, says they issued an Escrow Refund in the amount of ~ {$10000.00} in XX/XX/2022. However, I only received {$5800.00}. 

Additionally, they are withholding {$2800.00}, as of XX/XX/2022. I am owed almost {$7000.00}. 

The agent on the phone told me it would be another two weeks for this to be resolved and that I should make the full payment this month and then ask for another refund next month when the correct payment amount is reflected on my next statement, due XX/XX/2022. This is ridiculous, asking for money upfront that they will then turn around and refund me. This is very suspicious activity, fraudulent maybe? Such Deceptive tactics by this company to transfer you to multiple departments with no resolution and charging you extra knowing your payment should be lower and holding customers money to make interest off of customers ' earned money. 

XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (DC)

On XX/XX/2022 I made a settlement payment to XXXX in the amount of {$710.00} to settle the outstanding balance for my XXXX XXXX  account. On XX/XX/2022, I uncovered information indicating XXXX may have billed me in error. Specifically, XXXX may have billed my account while and after a different account was active at the service address associated with my XXXX account. On the XXXX I contacted XXXX to resolve this issue but XXXX refused to furnish additional information that would confirm or deny whether I was billed in error. Also on XX/XX/XXXX, I initiated a dispute via XXXX XXXX regarding the {$710.00} payment made XX/XX/XXXX. I provided to XXXX XXXX the evidence that I may have been billed in error, and disputed the payment on the grounds that XXXX had not been able to resolve my concerns. On XX/XX/XXXX XXXX XXXX acknowledged receipt of the dispute and, in accordance with their dispute procedures, temporarily returned the {$710.00} payment while they awaited a response to the dispute from XXXX. As of this writing, XXXX has not responded to the dispute initiated via XXXX XXXX. On XX/XX/XXXX XXXX reported my account to the XXXX and XXXX credit bureaus as " in collections, '' and on XX/XX/XXXX XXXX engaged debt collector Convergent Outsourcing , Inc. to attempt to collect the purported debt. On XX/XX/XXXX I contacted XXXX in writing to ask they respond to my concerns and correct the derogatory credit bureau reports. XXXX replied XX/XX/XXXX, failing to address my concerns and refusing to provide any additional information. I believe I may have been billed in error and thus do not owe this debt, and have made repeated attempts to resolve my dispute with XXXX and their debt collector.