davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MI)

" Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX   while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX   and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX   XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with   XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.
Consumer complaint received 2018-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ADIR INTERNATIONAL LLC (CA)

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In the past two years capital one inc is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, XXXX   and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I XXXX XXXX XXXX a victim of Identity theft.The unauthorized inquiries which were inflicted on my account demand removal and deletion.Capital One Bank USA NA, inquiry date XXXX XXXX inquiry is in fact fraudulent which is grounds for removal.I demand XXXX remove this inquiry just as XXXX has already removed such fraudulent inquiries.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2018-01-08
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. (FL)

I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.
Consumer complaint received 2018-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (FL)

I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is reporting wrongful payment status in XXXX and Experian credit report. My Experian credit report shows late payment for the month of XXXX, is false information attach is payment receipt. made on time.My payment due date is was not until XX/XX/2017.
Consumer complaint received 2018-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

When doing a refinance on our VA, we chose a cash out option. An appraisal was required. We had that done and paid for it. 

The process included paying off a HERO loan to be acceptable to the new lender ( Loan Depot ), therefore our property tax went from {$1900.00} ish to {$1200.00} ish twice a year. The original payment was based on the old rate of course. 

After getting the new tax bill, I called the company and asked to have this reviewed, as my payment would go down in excess of {$100.00} a month. They said no, had to wait for first year. 

After the company mailed the {$1200.00} to the County for tax, I called back and said they obviously must have received the new tax bill and once again asked for a review. This representative said it was my lucky day, she would have that done the following Tuesday, my new payment would be calculated and the excess sent to me in a check, since my loan was almost 6 months old. ( this was around XX/XX/2018 ). 

Indeed a check was cut and I received an email of my escrow analysis and a picture of the check for {$1600.00} approx. I waited several weeks and it did not arrive. I called again, early XX/XX/2018. The representative said it was probably just lost in the mail so she would have another one cut and sent to me.

I received an email showing the new check was cut on XX/XX/2018, then a week later got an email said they mailed it, on XX/XX/2018. 

Of course it did not come so I called today to learn they did not mail it, they redeposited it to my escrow account as they determined unilaterally, that my tax might not go up and I might not be fully taxed. They saw the value of the appraisal and determined in their little heads that the refi would cause my taxes to go up. I told them it does not work that way and I wanted my {$1600.00}. They kept me on the line and told me all kinds of stories about re-opening analysis. II suggested this is now fraud and I want a check now.

They say they went to Escrow analysis and would cut a check by 5 pm. today and mail it by Monday night.

Obviously I am skeptical and I believe this is out and out fraud to keep customer 's money. They held it for six months already. 

I feel they should have a punative action taken against them so no one else wastes hours and hours on calls to attempt to get their own money. 
BTW, today they said it could not be reviewed before 18 months. That is three different time from three representatives of the same company.

I called the tax assessor 's office and that appraisal will not raise my taxes nor void my SB 60 and homeowners exemption. 

Loan Depot told me they will mail my check but now they must do a thorough tax review and it could come out I will owe more. This was a scare tactic and it really made my mad. Most of the people I know would not have any chance of understanding this. Nor would they know how to contact the county and check The level of fraud is frightening. Help me help others.
Consumer complaint received 2024-11-04
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. (TX)

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

{$13000.00} was debited from my checking account TWICE by Bank of America to pay my card balance in full - once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX to have the excess payment of nearly {$14000.00} refunded to me they told me it would be 5-7 business days because it was such a large amount. That's ridiculous, but I was willing to deal with the policy. When I called again on XX/XX/XXXX to check on the status, they again said it would be 5-7 business days. I confirmed that this meant it should be refunded by XX/XX/XXXX, and they concurred. 

On XX/XX/XXXX it had still not been refunded to me. When I called again, they then stated that instead of the original 5-7 days, it would now take 10-15 days because the amount was so large. It does not take 10-15 days for funds to be credited in the current electronic banking environment. When they mistakenly took an additional {$200.00} dollars out of my account on XX/XX/XXXX, I called the same day and the funds were back in my checking account on XX/XX/XXXX. 

Clearly it does not take 15 days to confirm receipt of funds. Keeping almost {$14000.00} of my money for 2 weeks is nothing short of theft.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/202XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX XXXX as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (GA)

I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.
Consumer complaint received 2018-02-16
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. (GA)

In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize. 
Two weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report. 
Once I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve. 
After the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report. 
It has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OK)

I had my loan in deferment and I needed to resubmit the papers for a hardship due to low income. It was around the time XXXX XXXX change to Navient. Navient said they never received my paper work and put my loan in a status of default. They double my loan and have been take my income tax the past year and this year and the amount is not take of my loan. I need help.