davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Evergreen Moneysource Mortgage Company (OR)

I have received a letter from Evergreen Home Loans on XX/XX/2022 accusing me of not furnishing my Condominium Unit Owner Insurance and force-purchasing insurance for my property at an astronomical cost ( more than {$800.00} ) while I indeed have my own property insurance purchased at a much lower cost. I have submitted proof of my Condominium Unit Owner Insurance FOUR times in the past 2 months previously but the loan company ignored all of my communications making me believe that they are attempting to force their own insurance on me no matter what the situation is. 

I received the first letter from them requesting insurance information this year on XX/XX/2022 and on the very same day I submitted the requested information on Evergreen.Providemyinsurance.com per the letters instructions. 

Nevertheless, I received another letter on XX/XX/2022 suggesting that the information was not received and threatening that insurance would be purchased for me at a very high cost. I then - Immediately contacted them over the phone on XX/XX/XXXX and was instructed to send the document again to XXXX. The e-mail was sent on the same day and the phone agent informed me that it would be taken care of within 24 hours. 

On the same day ( XX/XX/XXXX ) I also re-submitted the document on Evergreen.Providemyinsurance.com. 

My insurance company also faxed the insurance declaration on XX/XX/XXXX to their companys fax number. 

Despite spending all these time and effort furnishing the property insurance information to them in various ways, they still keep disturbing and harassing me. I find this business behavior of force-purchasing insurance in spite of the fact that I have fulfilled my loan requirements very dishonest and unbelievable.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (AL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

I currently have a Fidelity Credit Card and I cancelled my card due to fraud charges appearing my invoice statement in XX/XX/2022. Fidelity provided me a new credit card with a new Visa Credit card number. The same merchants recharged my new credit card number in XXXX XXXX I contacted Fidelity and I was told merchants can purchase a service from Visa to obtain a customers new credit card number without the customers or Fidelity 's permission. Fidelity stated many deceptive companies use Visa services to obtain customers credit card numbers to bill consumers fraudulently. 

I am now dsiputing the new charges on my credit card number. I was told by Fidelity there is no way to stop Visa from providing out my credit card and therefore I am being billed fraudulently a second time. Please have Visa to stop providing my credit card number out to companies in order to bill my credit card without my permission.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (PA)

PayPal is refusing to allow me to close my account. 

I received notice from PayPal in XXXX that they could not process a transaction. With no explanation, they requested that I provide additional information, including my social security number, photo, and bank statement. As I was not willing to do so, I tried to close my account but was informed that, in order to close my account, I would have to provide this new information. I tried to remove my credit card information with the same result. 

I recently tried again to close my account and, although they had removed the request for a social security number, they still wanted a photo and bank statement before I could take any action. After speaking with their customer service, I was told that I received the initial notice most likely due to a charitable contribution made on XXXX ; there was no actual problem with my account. They still insist on my adding a photo and bank statement before I can close my account or even remove my active credit card information.
Consumer complaint received 2022-11-26
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. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-26
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. (TX)

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 XXXX CREDIT BUREAUS they are willful 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
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: OneMain Finance Corporation (TX)

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/XXXX - OneMain Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TN)

This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
Consumer complaint received 2024-10-27
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. (IL)

I am a victim of identity theft, and several fraudulent accounts and inquiries have been unlawfully added to my credit report, as documented in my FTC Identity Theft Report ( Report XXXX. XXXX ). The fraudulent accounts include two with XXXX  ( Account Numbers : XXXX, XXXX ), two with XXXX ( Account Numbers : XXXX, XXXX ), and one with XXXX XXXX XXXX ( Account Number XXXX XXXX ). These unauthorized activities, some dating back to 2019, have resulted in fraudulent loans, collections, and inaccurate reporting, causing significant harm to my credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and blocked within four ( 4 ) business days of receiving this complaint. I further demand that all related collection efforts cease immediately and these accounts be permanently removed from my credit report.
Consumer complaint received 2024-10-27
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-25
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have reached out to XXXX, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions Nissan Motor Acceptance Corporation.Both of these institutions have reported on my credit report that I was late on payments : Nissan Motor Acceptance Corporation reported that I was late on XXXX XXXX XXXX XXXX XXXX XXXX etc. Most of these instances happened during the pandemic which I requested that Nissan defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to Nissan and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering Nissan, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. Nissan never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Consumer complaint received 2022-11-25
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

XXXX reported a debt of XXXX  to my credit file. I have never had an account with XXXX I called the collection agency and they asked me to supply proof of insurance during the period of time in question which I did however, they still have not removed this false statement from my credit file
Consumer complaint received 2024-10-08
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

Online information services is claiming I owe them. I have no knowledge nor have I signed an agreement with this company. This is aggravated identity theft. I have no knowledge of this company. This is abusive, deceptive and unfair debt collection practices. This company has no means of my identity and reporting without my lawful authority. This is aggravated identity theft 18 usc 1028A. XXXX has committed unlawful extortionate and violating 18 usc 1894. No negative information should be reported on my credit file
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: USCB, Inc. (CA)

XX/XX/XXXX {$270.00} {$75.00} I was told that my company XXXX XXXX XXXX would be paying my workers compensation. They were taking care if it, but then fired the current XXXX. a new XXXX. came in I passed the information to him. Then he quit 2 months later and it never was taken care of. They hired a new XXXX. he and the president both said they took care of it. I spoke with corporate and they said they took care of it. Though today XX/XX/XXXX I received an email showing I have a Dragatory late payment for the bill that was supposed to be paid through my company I was working for at the time. The company did not pay the bill, and it had gone into collections.
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX Attorney General, and FTC
Consumer complaint received 2024-10-27
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. (NJ)

I am writing to inform you that I am a victim of identity theft and am disputing the following information appearing on my credit report/account statement, which I did not authorize. 
These transactions were made without my knowledge or consent, and I did not open any accounts associated with this information. 
Please immediately block this fraudulent activity on my credit report and investigate the matter further. 
I request that you remove all fraudulent information from my credit report and notify all creditors of this identity theft incident.
Consumer complaint received 2022-11-25
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: Affirm Holdings, Inc (CO)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, experian and XXXX. However, experian is the only credit bureau that has reopened the account and it needs to be removed immediately.
Consumer complaint received 2022-11-25
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. (TN)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX is breaking the law by furnishing inaccurate account. The date opened is wrong. and Date Last Active is wrong. Your company have reinserted same debt from original creditor XXXX. It was deleted by XXXX due to violations and now you have let this agency commit the same action. They have only shown a bill not a contract with a bearing signature. I have attached both credit reports so delete this error.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (HI)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.