davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (TX)

Hello, I sent 3 dispute letters to XXXX, XXXX  & Equifax around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time.

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX
Consumer complaint received 2020-09-23
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)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. 

I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. 

They need to produce a copy to me or remove this account from my credit reports and stop all collections.
Consumer complaint received 2018-01-23
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. (CA)

Every time creditors runs a credit check on me, my sister 's name, social security, as well as her credit history appears in place of mine. We have similar names and social security numbers. I have no credit whatsoever, and I am trying to build my credit but I am not able to do so until this mix up is fixed. Today, XXXXXX18, I received a credit report from Experian that belongs to my sister, but has my name and address on the report. I 've been trying to resolve this problem with Experian personnel but to no avail. I have been placed on hold for over an hour and it seems as if they are not willing to help even after I have done all they have asked from me. I have submitted colored photo copies of my social security card, drivers license, bank statements to Experian. This is very frustrating because I ca n't be added to mortgage, apply for credit card, finance on a vehicle until the mix up is fixed.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.
Consumer complaint received 2018-01-18
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-11-21
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. (CA)

Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. 2019. 

They only had authorization for one hard credit check not two.
Consumer complaint received 2020-11-21
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. (CA)

Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. XXXX 

They only had authorization for one hard credit check not two.
Consumer complaint received 2018-01-22
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: AMERICAN HONDA FINANCE CORP (MI)

Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through Honda Financial Services. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted Honda Financial to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. Honda said they were sympathetic but unwilling to remove the mark.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Consumer complaint received 2023-02-11
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: LEXISNEXIS (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2018-01-21
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)

Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMA Credit Association (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I believe they purchase a credit card debt Portfolio Recovery have been harassing me with phone called, since 2013 to date I even change my number they obtain my new number illegally and continue to harassed me after I repeatedly asked to stop put me on a do not call list, thet continue to from endless different number I usually put them on my block list they just continue from a new number all time off the day and night. PORTFOLIO RECOVERY NEED TO STOP HARASSING ME. PLEASE. THIS WAS THE LAST NUMBER THEY CALLED ME FROM XXXX
Consumer complaint received 2018-01-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I was making a deposit into the ATM machine and the atm took my card and the cash that I deposited. The amount was XXXX dollars it took a month and numerous phone calls to try and get the money reimbursed. After a month I was only reimbursed XXXX of the XXXX dollars that I had deposited. With zero explantation why ... I need to file a complaint against TD bank also I would like to have my money reimbursed ASAP.
Consumer complaint received 2018-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}
Consumer complaint received 2018-01-21
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. (NY)

XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I visited the New Jersey Lottery District Office at XXXX XXXX XXXX XXXX XXXX.I met with Deputy Director of Security, Audit and Licensing XXXX XXXX to discuss a review of case # XXXX aXX/XX/XXXX registered claim. XXXX XXXX informed me that after the New Jersey Lottery makes a payment any concerns involving law enforcement of crimes targeting a lottery winner are not theirs and to obtain an attorney. My XXXX XXXX  dollar cash payment was deposited in a Capital One 360 Checking account before being transferred to XXXX XXXX XXXX  because of account balance errors with pending or posted transactions. The XXXX XXXX XXXX account it was transferred to has a XXXX records request case number XXXX and Consumer Financial Protection Bureau request case number:XXXX. The Office of the Comptroller of Currency complaint case number:XXXX response suggested if I wish to pursue the issue to retain an attorney. However on XX/XX/XXXX a representation request to XXXX and XXXX my family attorney was declined. So I am undertaking account record recovery.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (AL)

I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school
Consumer complaint received 2018-01-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coastal Credit, LLC (AL)

Owed 4000 on a car loan had horrible family issues they refused to work with me I begged for more time due to my sitiuation they refused demanded I pay them or they would destroy my credit they took my car and resold it for triple the amount owed but they still call and harass me and my family even call my job and friends the company name is coastal credit
Consumer complaint received 2018-01-21
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: TD BANK US HOLDING COMPANY (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is TD Auto Finance. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (CA)

This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.
Consumer complaint received 2018-01-21
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: HCFS Healthcare Financial Services of TeamHealth (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX   XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX  and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ID)

I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. 

Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (MO)

I opened a BBVA Compass ClearConnect Checking account on XX/XX/XXXX which had a sign up bonus attached for {$200.00}. This was my first account with BBVA Compass. I completed the requirements for the bonus on XX/XX/XXXX. The terms state they will deposit the bonus within 60 days of meeting the requirements, which they have not done.