davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.

1.Account number XXXX XXXX XXXX XXXXXXXX XXXX Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX ( Doesn't Exist ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OR)

My bank is in closing personal bank information to third parties intentionally delaying debit payments or transactions 4 days or even almost a week when they should come out immediately I already know that credit payments take more time. making me unable to access my online Mobile account giving me a hard time and delaying me when filing consumer disputes intentionally harassing me even when I go inside the bank I'm being harassed and bothered by personnel allowing my bank account payments to be adjusted and when I'm charged wrong and call back about it then they disappear but if I don't notice them they'll stay on there my bank needs to be contacted until I need to be treated fairly and properly if we violated my rights as a financial institution and financially harassing me. 
I bank with KEYBANK In Oregon
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc. (TX)

as of XX/XX/2018 {$1900.00} was paid to XXXX XXXX XXXX. THE COLLECTION COMPANY WAS TAKING OUT {$130.00} A MONTH AND STOPPED. THERE WAS NO COMMUNICATION. RECEIVED A CREDIT REPORT AND THE REPORTED THAT {$2300.00} WAS OWED ON MY CREDIT REPORT. THE BALANCE IS {$1300.00}. I CALLED THE COLLECTION AGENCY AND THEY STATED THEY DID NOT KNOW HOW THAT ACCOUNT OR AMOUNT GOT ON MY CREDIT. I REQUESTED THAT THEY REMOVE THE INCORRECT REPORTING AND THEY STATED ONLY IF I PAID THE BALANCE IN FULL. I ADVISED THAT THE AMOUNT IS INCORRECT AND THEY STILL REFUSE TO UPDATE THE INFORMATION CORRECTLY.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Coastal Credit, LLC (TX)

IN XX/XX/XXXX PURCHASED A VEHICLE WITH XXXX XX/XX/XXXX. I PURCHASED THE BEFORE I WENT ON XXXX WITH THE XXXX XXXX. WHILE XXXX WITH THE XXXX THE VEHICLE WAS REPOSED. I MADE SEVERAL ATTEMPTS TO MAKE ARRANGEMENTS WITH THE COMPANY WHEN I RETURNED FROM XXXX TO NO AVAIL. THE COMPANY REFUSED TO ACCEPT THE LAWS IN PLACE REGARDING XXXX XXXX PERSONNEL. THE VEHICLE WAS REPOSED IN XXXX AND THE COMPANY DID NOT SEND A LETTER OF ACCELERATION OR A PAYOFF AMOUNT. THE COMPANY ALSO NEGLECTED TO REPORT TO THE CREDIT BUREAU FOR A PERIOD OF 3 YEARS. IN XX/XX/XXXX THEY REPORTED THE REPO AS A NEW ACCOUNT DELINQUENCY, WICH HINDERED MY ABILITY TO REBUILD AS THE FCRA ALLOWS.
Consumer complaint received 2019-06-12
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. (RI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX****, XXXX/XXXX XXXX****,  XXXX XXXX****  , XXXX/DEPTOFED XXXX****
Consumer complaint received 2023-01-14
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX
Consumer complaint received 2023-01-14
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (SC)

The company is XXXX Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX XXXX. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX XXXX XXXXXXXX XXXX ***Fraudulent charges & do not belong to me XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ph : XXXX This sham of a collection company has reported a Collection debt on my personal credit report with XXXX, XXXX XXXX XXXX FRAUDULENTLY which has affected my XXXX score dramatically. This debt is fraud and debt does not belong to me. I am in my legal right to request it be investigated and removed immediately from all credit reporting agencies and this company should be investigated for illegal collection practices.
Consumer complaint received 2019-06-12
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. (RI)

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BRite Financial Services, Inc. (OH)

This debt was paid. Lender is fraudulently attempting to charge an additional XXXX when lease was paid 100 %. Lender keeps reporting monthly with XXXX when lease debt was paid and car return in same condition it was leased.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus Experian, XXXX  and Experian that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with Experian each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I am currently enrolled in Public Service Loan Forgiveness Program via FedLoans and I have been trying for over 2 years to get an accurate count of my payments that count toward forgiveness and have been unable to achieve this with the company. I have been unable to get consistent answers on what payments they are counting and why the payments that should count are not.
Consumer complaint received 2019-06-11
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. (CA)

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written Equifax, XXXX and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to Equifax, XXXX and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Consumer complaint received 2019-06-11
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: American First Finance, Inc. (MI)

There are 4 inquiries on my account by XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called XXXX to dispute the inquiry and request a letter of deletion under the direction of XXXX, XXXX stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.
Consumer complaint received 2023-01-14
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. (MA)

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX  : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (ME)

Attempting to pay my PayPal credit card bill, but their online portal refuses to display any of my statements to review the charges. I realized there was an issue 24 hours ago and despite contacting PayPal through their joke of a customer service department nothing has been resolved. My bill is due on the 7th and they apparently don't care enough to provide a working system. I've tried three different browsers on two different computers and all of them display a " Something went wrong, we can't show your statements right now '' message.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im reaching out because on the dates of XX/XX/19, I formally tried disputing fraudulent accounts directly with TRANSUNION in removing them from my credit profile. They were initially provided with documentation of a police report and an affidavit to report the identity theft. TRANSUNION followed up with my results in removing the accounts ( which the correspondence I received in the mail from their company is attached ). 

On XX/XX/19, I checked my credit report to learn they re-inserted XXXX  XXXX XXXX without any notice. This has caused nothing but stress and I feel they are working with XXXX  XXXX XXXX in still continuing to destroy my identity. Transunion failed to notify me within 5-day which is an automatic FCRA violation of them not properly handing my credit file.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (AR)

When returning home from a XXXX treatment, a young lady knocked on our door and my husband answered, she gave him a letter and walked off. As my Husband, read the letter we realized that our characters ' are under defamation and is being demonized by a company that we don't not have a validated or verifiable relationship with. We have never heard of this company. We have no personal or financial relationship with this company ; therefore we find it impossible to owe them anything, especially at a time where hospital bills are adding up in the thousands and we are praying to keep them up in-order to keep the much need treatments going. This is not the time for my myself or my family to argue an unnecessary debt that we have not created when we have a much bigger debt being created almost daily and we are optionless on having to find means to pay it. Please remove the unknown and unauthorized collection from Midland Funding LLC. Under the FCRA 15 U.S.C.168 li, all unverified accounts must be promptly deleted. Thank you all so much.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (NY)

AFTER REVIEWING MY CREDIT REPORT I HAVE IDENTIFIED INACCURATE ACCOUNTS ON MY CREDIT. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation (AZ)

As a past customer and client of Academy Mortgage I trusted them with the loan process to purchase a new home and they completely mislead me causing me to loose my earnest deposit and inspection fees along with payments made to pay down an account with the assurance my loan was going to be approved. This does not include my time spent constantly leaving work to gather every piece of document to take care of every request asked of me in addition to the time spent packing leasing out my property and preparing to move with continued promises that we would be closing on time.

The loan officer that Academy Mortgage has working for them name is XXXX XXXX. This individual should not be allowed to originate loans. 
There were many opportunities that academy mortgage had to be honest and not use such deceptive practices and mis-lead me through the process. Upon loan denial which was over a week after the scheduled close of escrow which I was promised the whole time would be met My loan was denied because I was not married. I went and got a 2nd opinion on the issue, and another lender immediately denied me because my DTI was too high. Now these are both two simple items that Academys employees failed to identify up front. This could have been caught early on by the loan officer, processor and underwriters. Instead they continued to drag me through the process promising they would get the job done. In the end, Academy only refunded me for the cost of the appraisal. Im requesting this be investigated and Academy issue a refund for my money lost on the earnest deposit and money spent on inspections.
Consumer complaint received 2023-01-14
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. (MA)

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I TRANSUNION. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Consumer complaint received 2023-01-14
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. (NV)

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 accounts 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX CO XXXX Balance : {$5100.00}