davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

Calling every day, at least once a day since XX/XX/24. 
On XX/XX/24, this company called me twice back at back at XXXX am and XXXX am. 
Since XX/XX/24, this company has called me every business day they are open ( M-F ). Ive attempted to block this caller from my phone but they have been contacting me still from different phone lines within their company and never leaving a voicemail. On XX/XX/24, they called and left a simple voice mail stating it was Transworld Systems and I needed to call back. A simple XXXX search says this is a debt collection agency but I do not have any written notices from this company on regarding any debt. Each number contacting me by this company starts with ( XXXX ) XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I was informed that due to an error in communication with my insurance company that pennymac did not completely pay my insurance fee causing my insurance to be cancelled in XXXX of XXXX. I did not know this had happened until XXXX of XXXX. Because of this I had no insurance for a year. Now that I am seeking new insurance my insurance fees are extremely high ( XXXX dollars higher ) due to the lapse in coverage even though it was not my fault I didnt not have insurance. I paid every mortgage payment diligently and on time therefore my escrow should have been paid on time. Due to this increase in insurance my house payment is scheduled to go up XXXX dollars which I will not be able to afford and I have a major escrow shortage of XXXX dollars which pennymac will not explain to me or help me lessen as it is their fault. XXXX has not done anything to mediate this and refuses to help with the insurance cost and my escrow shortage.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX {$2100.00}, I did not owe any debt or were in contract with mountain view crossing. 

Although I disputed this before, it remains on my credit report. Stating that it is valid. Where is the proof. 

i demand a copy of my signature for any service or contract!!! 

There isn't one. I simply do not understand this debt and owe nothing to XXXX XXXX XXXX. 

Must be removed as it is fraud. 
from Transunion and XXXX
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Roadrunner Account Services, LLC (NC)

Purchased a motorcycle from someone who had a lien through Roadrunner. Nightmare process as multiple people told us wrong information ie. where to send the check, who to make the check out too. We sent the check on XX/XX/XXXX. They noted the check was written wrong ( despite the name being what they told us to write ) and after lengthy conversation, they dodged questions and noted all of their administrators were in meetings on XXXX separate occasions. They stated they sent the check back XX/XX/XXXX. When I didn't receive the check, I contacted them again on XX/XX/XXXX and was told the check was never mailed. I voided such check immediately after receiving it and called to verify the name to put on the check. I was told a different name and different mailing address completely and at one point told I wasn't allowed to pay it. Eventually someone said I was allowed to pay it but interest had accrued. I tried multiple times to discuss that the daily interest fee should be waived for the past XXXX weeks given that it was their fault for providing us inaccurate information and then withholding my check thereafter despite telling us multiple times they mailed it to me. This has delayed me in obtaining a title for > 2 weeks and at this point has also led the buyer to not have possession of his vehicle while still owning on the vehicle. 

XXXX was the check I was sending them, the amount has mildly increased to XXXX due to daily interest. Given this increase, I called multiple times for the amount to be brought back to the previous amount given the issue was with them. They refused on multiple occasions and refused to have an administrator speak with me. I was told an admin member would call which they never did. Given the delays, I am currently mailing a check for XXXX and expect to be contacted with resolution and refund of the difference along with release of the lien on the title after the payment is cashed immediately.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The credit bureau is reporting information on my credit report that is inaccurate, incomplete and incorrect. I beleive this to be a violation of the FCRA and FDCPA and Metro 2 compliance.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


GM financial, Account Number XXXX, ( XX/XX/year> Late Payment } I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards. 



XXXX XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Hello, My name is XXXX XXXX and I been unknown negative information on my credit report that I have been disputing with XXXX, Equifax, and XXXX trying to get this unknown inaccurate information removed from my credit report. I have been reaching out to these companies since XX/XX/year> and they continue to ignore my request and violate my rights as a consumer. These companies are treating me unfairly which has caused me financial hardships for my family and myself due to this inaccurate unknown information which is negatively affecting my credit report. I have loss employment and housing due to this negative unknown information reporting on my credit. I am requesting your help to please hold these companies accountable for violating myself and the law and demand them to remove this negative inaccurate unknown information immediately.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

CFPB Complaint Against Collection Agency XXXX XXXX XXXX XXXX XXXX Complaint : I am filing a complaint against [ Portfolio Recovery ] for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law.

Specific Violations : Failure to Provide Validation information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) : By Placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized Furnishing of information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. Additional information : I have not received any communication from the collection agency regarding this debt. If they attempted mailed communication they must provide a tracking number confirming delivery XXXX my current living situation, I can not receive mail at the address they have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver.

Request : Irequest the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. Requiring them to provide me with proper validation notice and dispute process. Stopping them from using any further deceptive practices in collecting this debt Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MA)

I recently received a Cash App card in the mail. It has my name on it and was addressed to me. There is one message. " Activate your card, Scan code in Cash App. '' I thought this was a promotion so I downloaded the Cash App app to get the details of the offer. It had me set up a profile. There was no option to scan the code or link the card. It turns out the card has a user name on it already. They call it a XXXX like a XXXX. There was no apparent record of me opening the account with that XXXX or requesting a card. I asked for more information, but they wouldn't provide it until I would provide them with a lot more information. I provided a lot of information when I downloaded the app. This seemed like a scam. I asked to be put in touch with their fraud department. They wouldn't connect me, and didn't call me back either. This is potentially a UDAAP violation, and at a minimum a Reg E violation ( 12 CFR 1005.5 ). Please help me resolve this mysteriously opened account and issuance of an access device.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CFPB 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Consumer complaint received 2024-06-26
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. (NY)

I have requested over and over how and why numerous disputed items are NOT being investigated as opened through a data breach. I have provided numerous items for the companies and Equifax, XXXX and XXXX continue to report information inaccurately, constantly saying its not their job to look deeper into my disputes. They accept information from companies, where its been validated that computer generated investigations took place, even after I asked them to look deeper. XXXX, Equifax and XXXX are violating 15 USC 1681 b ( 2 ) and they know it.
Consumer complaint received 2024-06-26
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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.