davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

I applied for the level up funding loan on XXXX XXXX for the amount of {$400.00}. The company has taken out an amount of {$54.00} each week since then totaling an amount of about {$600.00}. The agent did not mention that I would have to pay almost triple the amount of the loan back to XXXX XXXX XXXX. I have an option to complete the loan payment in full for a total of {$430.00} on XXXX XXXX. If I dont pay that amount on the next installment I will continue to pay {$54.00} each week until XXXX XXXX. Which means I have {$1400.00} left to pay. This does not make any sense to me as I only took out a {$400.00} loan and have to pay back more than {$2000.00} dollars. 
Thank you, XXXX XXXX
Consumer complaint received 2023-07-27
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (NJ)

This is my 3rd submission that I am filing to notify Experian and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain remaining inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of any information in my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. Also, the reporting details you provided on some inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation (SC)

In accordance with 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of a late payment reported on my credit report. The information provided by WORLD ACCEPTANCE COR is inaccurate, as detailed in the enclosed documentation. Under this section, the credit reporting agency is required to follow reasonable procedures to ensure the accuracy of the information in my report. 

Additionally, under 15 U.S.C. 1681s-2 ( a ), WORLD ACCEPTANCE COR is obligated to provide accurate information to the credit bureaus.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (NJ)

Here is your revised text with minor grammatical adjustments : -- - My name is XXXX XXXX. I refinanced my primary residence on XX/XX/year>, and I have already paid my first installment on XX/XX/year>. 

However, the new loan information still doesnt appear on all three credit reports ( XXXX, XXXX XXXX XXXX XXXX. 

My mortgage servicer is Shellpoint Mortgage.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (LA)

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. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX  XXXX 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 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.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-27
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (PA)

I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-07-27
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)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

They [ Nelnet ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This company is reporting fraudulent inaccurate information on my credit report.I never had a contract with this debt collector for any debt. I have requested that they provide the master purchase agreement and the forward flow agreement to show full ownership of such account and also so i XXXX review to see if this is actually an account that belongs to me! This company has not provided me with that information they instead they uploaded a XXXX letter and credit card statements THOSE ARE NOT THE PURCHASE AGREEMENT!! The purchase agreement has not been shown to me so Portfolio Recov Assoc can not prove they legally own and can collect on this debt. THIS NEEDS TO BE DELTED FROM MY CREDIT REPORT ASAP!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i got an alert from XXXX  my ssn got exposed on data breach someone used my ssn that effected my credit scores, the phone number and address on data breach aren't mine. i'm from XXXX texas.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America particular employees are violating my privacy rights and threated to railroad a situation and segregate me to the same particular involved employees. This is the second time that Bank of America has treated me with segregation. This matter involved business associates affiliated with Bank of America such as particular XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX employees. I have received phone calls as early as XXXX XXXX using false names. On the exact dates this occurs the same Bank of America employees contact me. My vehicle was damaged at Bank of America by the Gardeners. 

I told XXXX XXXX at bank of America that this matter was escalated and mishandle per their own business contacts higher up. XXXX told me that she was segregating me to her, and I told her to stop reading old notes that this was done to me before. I told XXXX after the XXXX XXXX call she arranged not to access my bank information, call or email me to the point I file a huge complaint. The same lady that called me at XXXX XXXX. called me at XXXX XXXX. XX/XX/2023, and later tonight XXXX XXXX sent me an encrypted email. I am having medical issues and one of the businesses associated at XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was too escalate this but the same bank of Amecia employees continue to call me and demand email information. XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been at this for going on 3rd month. The parties responsible are engaging in corruption because they lack insurance which is what I have felt and told today.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NY)

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.

The letters are stated with items and issues.

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.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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
Consumer complaint received 2023-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AR)

On XX/XX/2023, XXXX XXXX XXXX from Rocket Mortgage called me about refinancing my home because I am actively requesting quotes in order to take out some equity from my home. We talked for about 20 minutes on speaker phone so I could continue to work. During that time, he aggressively asked questions and was hard to get off the phone with. He even tried to gas light me by calling me " moody '' because I wouldn't let him push me around.

When we finally got off the phone, I received a text from a credit monitoring company that someone had pulled a hard pull on my credit. I quickly found out that it was XXXX XXXX from Rocket Mortgage. At no time, did I authorize a hard pull. There would be no reason to because I had not made my decision on what mortgage company to use. 

I spoke with Rocket Mortgage 's company and found out how to ask for a Letter of Deletion. I hand wrote the letter as requested and emailed it to XXXX. I have not received notice that they have received it. 

I spoke with XXXX XXXX next and he told me he did receive authorization. I asked for and have received the audio. At no point did he ask or did I authorize the hard pull. After listening to the audio, I discovered that he casually remarked ( 8 minute mark ), " I'm going to run a formal credit report for ya for the approval. Are you a military veteran by chance? '' I responded, " No. '' There was no question or approval from me.

Again, he never asked me and I never authorized a hard pull on my credit report. We never discussed my credit ; he never asked if I knew my score. He did that in order to force me to use Rocket Mortgage because we all know that hard pulls stay on your record for a while and bring your score down. In order for me to go with someone else assuming that I take out equity at all ( which I haven't even decided ), another hard pull will have to happen and that will be XXXX. As I stated repeatedly, I am only seeking quotes. 

XXXX XXXX 's tactics are manipulative, unethical and unprofessional.
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (OK)

I contacted Sears Credit Card Services on XX/XX/XXXXXXXX XXXX XXXX XXXX central time asking them why did you close my account with me still owing owing {$2700.00} min payment of {$86.00} at % 25.65 interest of {$58.00} are these fees. I have been paying on time. They said, Sear Card no longer uses my card, I said, no letter was sent to me informing me of these changes ; no request to change my card account to the new master card ; they said sorry we now use master card card so your account is closed out XX/XX/XXXX the with no notication or notice the closed. My account is still I good standing and you have ruined my credit and you expect me to pay you. I have had this card sincXXXX XXXX  and this thanks I get This close will affect my credit standing score and all my other cards now will be affected! Sear Card phone number is ( XXXX ) XXXX.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (RI)

I discovered that there were checks attached to documentation that was sent to me from XXXX. When I discovered this I had 2 stale checks. For 2 years I have called spoke to multiple people and told that it would take XXXX weeks to be resent. I wait start the process all over again. Nothing has happened no check replacement to letters or calls NOTHING. I have the checks in my procession and XXXX of the agent stated that can see that the checks have not been cashed. Last 2 times I was told that it was because of a new regulation that had to be completed. We completed them. I was told to make sure I let whoever I speak to that the old account number was XXXX, because it was switched to SierraPacific XXXX and then to XXXX. Which are all subsidiaries of XXXX. The second escrow check they sent attached to the paperwork, never should have been refunded because by doing so meant my Home Owners didnt get paid and I did not know it. I want this money back and very tired of hearing the same BS each time I call. 
First check # XXXX dated XX/XX/XXXX amount {$110.00} Second check # XXXX dated XX/XX/XXXX amount {$830.00} The name on the check XXXX XXXX XXXX This is unacceptable and I do expect them to pay me the interest. My belief is that they are waiting until it is too late. I would appreciate your help with this. I have been in touch with all of the institutions.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.