davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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)

Im Dispute this account to be Inaccurate Information Under FCRA Section 1681i now im also requesting the Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents I signed that day Downpayment Receipt
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/year> I charged on my XXXX XXXX charge card XXXX On the XXXX I paid XXXX. On XX/XX/XXXX I got a notice through my bank account that there was alate payment showing on my account. Imagine my surprise when I saw I had an " overdue '' payment to XXXX XXXX. I am diligent when it comes to my credit, so I set up the payment immediately, the XXXX XXXX I looked at my account and found out that they had charged me a XXXX cent insurance and had never billed me nor sent an email letting me know that I was " late '' The payment I made just disappeared as they charged me with a " late payment '' of the total I had paid already PLUS late fees, interest more insurance, late fees, etc.. until the total is now {$82.00} and my credit score has gone down almost XXXX points. Also, never once received a bill- this is normal because I don't owe them anything. TODAY after trying to get this fixed for XXXX days, XXXX and behold a bill arrives! How does a XXXX insurance become a XXXX late fee and keep getting added onto until it is a crazy amount of {$82.00}? 
They owe me everything, but the XXXX cent insurance back and they need to correct my credit report ASAP! 
To top it off, in the past i have overpaid my card by less than a XXXX  twice and they have XXXX  it out on my bill no credit nor returned by check. I quit overpaying because they just kept the difference! I could not go back and use that amount. Another time I made a much larger payment than I had to but got a late fee because it was a day BEFORE their XXXX window for monthly payments.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

I disputed these vendors who have my information and have put this on my credit report. 
It was in on my report ( 1 ) CKS Prime Investment 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXXXXXX 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 All Disputes ' were sent certified in which I explained that this was and is suspected fraud.

I never had an account with XXXX XXXX I've contacted the credit bureaus all three clearly identifying my name address and phone number and asked them to remove all my old addresses and places I have never live from my credit reports awaiting a response. to this query.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

I DONT RECOGNIZE THESE ACCOUNTS -XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX THESE INQUIRIES -XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (TX)

Over the past few years I have requested PMI cancellation but XXXX XXXX  has denied my request saying I was 30 days past due at least once in the last 24 months. THAT IS FALSE. I have proof my bank never paid the loan 30 days past due. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX XXXX in which there is no lawful contract with the company has continued to contact after a cease and desist and will not produce the claim they have against the account the account holder or the original wet signature contract between both parties. This company obtained my private information without consent and authorization and now us unlawful reporting a account to damage the credit worthiness of the principal surety
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I deposited insurance proceeds from XXXX to my checking account on XX/XX/24 in the amount of {$100000.00}. On XX/XX/24, the funds became available and were immediately used to pay off medical loans. On XX/XX/24, M & T removed the funds from my account leaving a significant negative balance. I contacted both M & T and XXXX right away. After nearly XXXX solid days on the phone with both entities, including conference calls between the two, we are at an impasse. M & T is saying they received instructions to return the funds to XXXX XXXX ( XXXX 's bank ) because there was a stop payment issued. XXXX investigated this thoroughly with XXXX, who is saying there was no stop payment or request for return of the funds. M & T refused to provide any specific information as to who requested that the funds be returned, so we can't even go back to XXXX or XXXX to follow up with that particular person. Both entities are pointing the finger at the other. Both entities are saying they do not have my funds, and neither entity is taking any steps to return the funds to me. In the meantime, I am out {$100000.00}. The money I had in the account to pay monthly bills has now been overtaken by this huge negative balance. It's now a week that my money is gone. I am desperate for some immediate relief.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MO)

I received a notice indicating that my online application to the XXXX, Illinois office for {$8000.00} was approved and then denied. Upon discovering this information, I took the time to review OneMain Holdings Inc. Indenture agreement. Upon careful examination of the Indenture agreement, I noted the statement " The Security Interest in the Collateral is granted to secure the Notes. '' The definition of Collateral includes " All accounts, instruments, documents, etc., '' and it dawned on me that my application, bearing my signature, constitutes the Collateral. The Note is represented by my Application, effectively transforming it into a Promissory note ( Security ). This realization leads me to believe that I hold an account/credit with OneMain Holdings Inc and OneMain Finance Corporation automatically . Regardless of the reason for being denied, I have a right to credit. Pursuant to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) " Regulation B protects applicants from discrimination in any aspect of a credit transaction. '' I tendered a financial asset to OneMain Holdings Inc and OneMain Finance Corporation. I am fully aware pursuant to the Security Exchange Act of 1934, and the company 's Security Exchange Commission filings Form 10-K that my application is a collateral that is securitized and sold to investors, then monetized on the secondary market. OneMain Holdings Inc and OneMain Finance Corporation is securitizing my receivable asset for your financial gain, but withholding access to my securities. OneMain Holdings Inc and OneMain Finance Corporation is also violating the Equal Credit Opportunity Act, Security Exchange Act, Credit Protection Act, Federal Consumer Financial Protection Laws and are engaging in " unfair, deceptive and abusive '' acts or practice. An equal exchange of security was issued. OneMain Holdings Inc and OneMain Finance Corporation accepted the financial asset, securitized it, sold it, but is denying me access to my securities. That is FRAUD. Please retract my application or credit my account.
Consumer complaint received 2023-07-04
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 XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-02-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

My company purchased a VanillaGift card from XXXX at XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXX. The amount was for {$500.00} I was given the gift card on XX/XX/XXXX. I tried to use the card XX/XX/XXXX and it was declined. When I checked the balance, it was over-charged and full of fraudulent charges to XXXX of increasing amounts, dated XX/XX/XXXX. You can see my charge on XX/XX/XXXX was declined. 

I called the number provided on my VanillaGift card and they asked me to create a dispute ticket. The company behind the VanillaGift card is InComm, headquartered in Georgia. 

On XX/XX/XXXX, I was assigned a Case Number and they told me they were working on it. On XX/XX/XXXX, they asked for the receipt of the card purchased and a photo copy of the front and back of my card. I had to get the receipt from my company and provided this to them on XXXX/XXXX/XXXX. 

On XX/XX/XXXX, I received the email stating " Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. '' I called back 5 business days later and was told " it could take up to 30 days, so give them time ''. I called back on XX/XX/XXXX ( 30 days after they received my documents ) and was told " Oh, we don't have your documents. You need to resubmit them to us so we can start ''. This was a lie since I told them I've already received the confirmation email from them that they had everything they needed. I resubmitted THE SAME documents and got the same confirmation email on XX/XX/XXXX. 

I called one last time on XX/XX/XXXX and was told " it could take up to 30 days. Give us time ''. This is not acceptable. They will just wait 30 more days and claim they never received the documents, starting the 30 day timer all over again. I've been trying to work with this company for months with no progress for something that should be open/shut. 

VanillaGift/InComm 's address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The number on the card is : XXXX My dispute/case number is : XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT GREEN DOT BANK {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/2022 XXXX  XXXX {$510.00} XX/XX/2022 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (NY)

United Wholesale Mortgage says for my payment for XX/XX/year> was late, however this is not the case due to my following explanation. For the Month of XXXX I Logged into the mobile application where I then submitted my amount due which was posted on the portal, then I later on check on the portal the following month again to pay that months ( XXXX ) payment. This is where the issue lies. It seems like after the payment was made in XXXX. Everything was fine & then they seemed to add another amount that was due within in the same month, but I was not able to see that amount because it only showed the initial amount due. & I had no reason to log into the portal again to check for another amount that was due. On top of that I didnt even get someone from the company to reach out regarding this payment, so this is as to why I had to pay that overdue amount after the fact they considered it to be late. So its not like it was my fault if they never posted the full amount due at the same time. Plus no one reached out. So they need to get this removed because the payment being late wasnt my fault and I have paid it as soon as I found out by my own.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (OH)

On XXXX XXXX i had a {$450.00} XXXX charge on my account that i did not authorize. At first i thought my card information had been stolen cause i had checked my XXXX account and there was no purchase. I did not realize until later that they had archived the order so i wouldn't see it when i looked at the orders page on my account and cause the account was through a seperate email that i rarely use and didn't think to check it. I sent a dispute to them stating that the charge wasn't me and they denied the dispute stating that there was No indication of account takeover hallmarks nor personal identifiable information changes XXXX month prior to the disputed transaction. Which is incorrect because i had bought an item off this account no more then a month prior at a completely different address then the one the Unauthorized charge provided multiple hours seperate from each other. The address also on the charge was not the address that is in my account information for my bank. They also stated that there was no card reorder which is in accurate because i had turned off my card and had a new one sent to me.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (GA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Ive continuously received unwanted phone calls from numbers listed as Portfoliorecov over the past couple of months, and I have received these calls at least once a week or more. When I answer, nobody seems to be on the line to talk which applies to every number that has called me, making me believe it could be a potential scam or that they have the wrong number and continue to harass me by calling. I did research on Portfoliorecov and I learned that they are a large debt collection agency. However, I am not in any sort of financial trouble. 

Here is a call log of every call I have received listed as Portfoliorecov even after blocking each number : 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 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My mother took out credit cards without my knowledge. We found out after she passed away XX/XX/2022. I have tried working with midland credit management and XXXX to get this resolved and neither is listening or believing that the accounts arent mine. I dont know what to do anymore. Its been a year and a half and Im still living with my moms debt when I should not be.