davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kovo (WA)

I signed up for Kovo Credit Builder because of their association with the app XXXX  which promises to give a {$20.00} payment if you open an account with Kovo and make 2 months of on-time payments for {$20.00} to your credit builder loan. All of this seemed fine with me so I signed up with Kovo and successfully made my two months of payments for {$20.00}, but afterwards did not really see the benefit in keeping the account open, so I wrote Kovo Customer Service and asked to have my account closed and my {$40.00} back. The customer service representative emailed back saying that they had closed my account but my {$40.00} would not be refunded because they have a 30 day money back policy and my request came after 30 days. I dont understand how this happened? If there was a stipulation like that I was not allowed to reverse my decision to close the account or even told that if I did I would be forced to lose the money I had already paid. Why would a company take your money and not even tell you if you were at risk of losing it if you decided to stop their service? What if I had put in {$100.00}? Isnt the whole point of credit builder loans to be loans that you pay in advance and then have a line of credit that you have already paid for? Why do they get to keep any money that is my money? I smell a scam!
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2023-04-13
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. (TX)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.
Consumer complaint received 2023-04-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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: Convergent Resources, Inc. (VA)

12 USC 1813 PLEASE REMOVE ALL ACCOUNTS ON MY REPORTS OR CREDIT FILE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.
Consumer complaint received 2023-04-13
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: SYNCHRONY FINANCIAL (PA)

As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX  identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb paypal bank XXXX Syncb jcpenny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-04-13
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-04-13
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. (MD)

This is my 3rd 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 listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XX/XX/2022, XXXX XXXX XXXXXXXX XX/XX/
Consumer complaint received 2023-04-13
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. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} XXXX
Consumer complaint received 2023-04-13
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. (NC)

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 3 CREDIT BUREAUS, they are willfully 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-04-13
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AL)

I have a continuous and ongoing problem with Shellpoint Mortgage, phone number : XXXX XXXX XXXX XXXX 

XXXX ) In the month of XXXX, the mortgage company processed the payment two times causing me a financial hardship. When I contacted them by phone, they would not reverse at least one of the payments. I contacted my credit union, and they conducted an investigation and concluded I was correct, and they reversed one of the payments. 
2 ) Shellpoint took immediate punitive action and removed me from their autopay system and mailed me a notice of adverse action dated XX/XX/year>. 
3 ) This problem was caused by them as they did not record the first payment as received. 
4 ) Consistent poor customer service and incompetence on the part of the customer service representative 's example : hostile and argumentative making constructive communication difficult. 
5 ) Changed my email address without my permission and sent my confidential information to this unfamiliar email address thus compromising my identity. 
6 ) Failure to notify when payments are made.

7 ) Deliberately denying me access to my information online, causing me to change my password at least ten times now or each month when I sign on to make the payment. In fact, on XX/XX/year> they required me to change my password four times in total. 
8 ) To date, I still can not sign into the Shellpoint online portal to access information about my mortgage and some information isn't available at all. 
9 ) I have contacted XXXX XXXX three times for assistance and they finally to file a complete about the problems with your agency. 
10 ) Failure to transfer the call to a supervisor or manager after I have asked for additional intervention three or four times during the call. Failure to return any calls whatsoever. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXXXXXX XXXX XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Lexus Financial Services/Toyota Motor Credit Corp shortly thereafter to apply for financial hardship assistance and was denied because the area I lived in did not qualify for financial hardship assistance due to the natural disaster. In other words, I lived " outside '' the area they deemed as affected by the hurricanes and thus did not qualify. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).
Consumer complaint received 2018-04-29
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: Credit Karma (MA)

I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK (MN)

Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed identity theft XXXX when tryin to by a home things came up I have sent dispute letter to credit bureaus with no response XXXX will be 30 days Address I never lived before XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived here and never live in my life 2 of the address where my sister old addresses Accounts tht are not mines XXXX XXXXXXXX XXXX this account was paid in full XXXX XXXX XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXX not mines XXXX XXXX XXXX not mines XXXX this was closed n paid please remove XXXX not mines XXXX XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines XXXX XXXXXXXX not mines I have wrote the credit bureau XXXX disputing all these items and I havent gotten a response.
Consumer complaint received 2023-04-12
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: MOHELA (NV)

In accordance with the fair credit Reporting act XXXX, XXXX and XXXX have violated my rights. 

15 U.S. Code 1681a.2 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.4K 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 and purpose.