davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (TX)

I have already tried to fix the problem using this web sight. a line of credit labeled XXXX XXXX XXXX is reporting a payment back in XXXX of this year for 120 days late. the account was payed off through a consolidation back in XXXX throught he resolution from the last complaint the company agreed to delete the line of credit. till this day the error on the line of credit still exist. Please ... I need this resolved as soon as possible ... I was suppose to close on the XXXX of XXXX and this blurp in my credit is holding me back from getting the best rate possible. i appreiated anything that can be done to resolve this issue as fast as possible
Consumer complaint received 2023-02-19
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. (FL)

My name is 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 2024-10-07
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION (NY)

I worked with Loan originator XXXX XXXX, NMLS XXXX with VanDyk Mortgage in XX/XX/2018. 

My husband and I were in the market for a new home, but was contacted by XXXX to assist in a credit consultation offered by her mortgage company. She asked for our financial information so that she can pull our credit report to assist us with credit repair BEFORE we put in an application for a mortgage. However, NO loan application was consented or submitted at the time of our initial discussion and fact finding session. XXXX has not spoken with either my husband or myself since the initial conversation, which we had over the phone and a follow-up email in writing. 

A few weeks later in XXXX, I received a letter in the mail that stated that we were denied a mortgage loan. XXXX had submitted a loan application for a 30 year mortgage that WE did not consent, approve, or even know about. She UNETHICALLY submitted an application for my husband and I based on the information that we gave her unbeknownst to us. She should be barred from practice, as it is against the law to submit ANY loan application without the consent of the borrowers, which we did not give. 

My husband and I had NEVER intended to apply for a 30 year traditional mortgage. We were looking for a VA loan, and the term were never discussed. This is further proof that XXXX processed a loan application OUTSIDE of our approval.
Consumer complaint received 2024-10-07
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. (UT)

I noticed an incorrect account on my report that i do not recognize. It has hurt me financially. I dont know where it came from and why its on my report. My information has been compromised due to the XXXX breach. delete account from my credit report immediately.
Consumer complaint received 2018-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2018, i deposited {$500.00} into my paypal account, which they immediately put a hold on and would not allow me to transfer to my card or bank account which is suppose to be instant. On XX/XX/2018, they released my account, allowed me to transfer {$30.00} to my card, and immediately put a hold on the other {$470.00} for no reason. When contacting the company they had said there was no risk to my account, but they couldnt do anything about the security check. After, when contacting them, they pretend they can not hear me, and hang up. Or, when calling me back, will only let the phone ring once, then hang up so i cant answer, and just end up with a missed call. They never disclosed that i would have my money held, until after i had already transferred it. From my understanding, they have been doing this to every body, and refuse to give anyone answers. I believe they are holding it to invest it for the amount of time they are holding it, before they release it, without consent of the customers. I had a car payment, and rent due, that is now late, because they are holding my money. I can lose my car and will effect my credit score, not to mention possibly get me evicted from my place because i have not been able to pay the weekly rent.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2024-10-07
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX XXXX XXXX Account XXXX Balance : {$14000.00} XXXX XXXX  Account XXXX Balance : {$14000.00}
Consumer complaint received 2024-10-07
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2024-11-03
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. (NC)

ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX Check XXXX GXXXX XXXX XXXXXXXX XXXX XXXX has ILLEGALLY sold debt to XXXX XXXX XXXX XXXX and is in direct violation of 15 U.S.C., Sec 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Sealed Affidavit has been sent to both companies with no response which will now result in criminal charges being filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service XXXX XXXX XXXX XXXX IRS XXXX ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. Upcoming court dates will be sent to both parties to resolve this matter expeditiously.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There Was Previous Case Against Capital One 360 and they made a Decision on Not Opening Any Future Accounts With My Information and Identity I XXXX XXXX Was A Victim Of Identity Theft and i never Gave Capital One Permison to Open any Accounts With My Name In The Pass. and i Was Told Bye Capital One That They Have Ended The Relation Ship and that their Are Not Going To Open Any Accounts For Me In The Future and they also marked and block me from Opening New Accounts With XXXX XXXX and XXXX and i Never Open This Accounts with Capital One 360. 

Capital One Refused To Accept Police Report Any Type Of Evidence Showing that this Accounts Where Open Fraudulent and Capital One Wont leet me Open Any New Accounts Because Of This Incident..
Consumer complaint received 2023-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent multiple letters to XXXX  XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I keep getting abused with multiple phone calls everyday from XXXX  XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. The contract wasn't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX  XXXX XXXX.
Consumer complaint received 2024-11-03
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. (MO)

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.
Consumer complaint received 2018-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.
Consumer complaint received 2024-10-07
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. (TX)

I am contacting you to dispute the inaccurate verification of an account on my credit report. The attached letters provide clear proof that the information is incorrect. However, your agency continues to report the information as accurate, despite the evidence provided. 

This failure to correct the inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which requires you to investigate and amend inaccuracies. Please reinvestigate the matter and take immediate steps to either correct or remove the false information from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.