davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (GA)

Dear Consumer Disputes : I have reviewed my Equifax credit report ( XXXX ) and have found inaccuracies. My personal information including social security number, name, and address was leaked to the dark web by the Equifax data breach. These inaccuracies are highly injurious to my credit. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors, Federal Trade Commission and Consumer Financial Protection Bureau. 

Fraudulent Accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1000.00} Fraudulent Inquires : N/A Fraudulent Personal Information : Jobs : XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC (OH)

Our XXXX XXXX XXXX was repossessed. XXXX XXXX and XXXX gave us a list of things to do to reclaim the car. We completed everything on the list including paying {$210.00} on XX/XX/XXXX. Updating employment and residential information, and securing insurance. We were told we could reclaim the car by XX/XX/XXXX. On XX/XX/XXXX we were then told we had to sign some paperwork and could reclaim the car on XX/XX/XXXX. On XX/XX/XXXX myself and the co-signer went to XXXX XXXX to sign the papers and pick the vehicle up. We were advised upon signing the paperwork that the vehicle would not be released that day due to a clerical error on their part
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (FL)

ACS/ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This accounting is reporting incorrectly, the account should be removed from a credit report. Breau is reporting account negatively,1. ) account late or past due. never past due or late, 2. ) has been reporting reported and closed on the same dates.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

Nationstar is our mortgage company ( Loan No. XXXX ). They send information on sharing our personal information with affiliates, etc. along with opt out options as required by law. But perhaps on purpose they make the process needlessly hard. Their phone option ( calling XXXX ) does not work because this is a general number with automated options, where opting out of sharing private information is not even a choice. Resolution of problem is they should be made to make opting out easy as per the spirit of the law ( that they seem to want to undermine. ) We wish they could be penalized to discourage playing such games in future and wasting our time.
Consumer complaint received 2024-02-26
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions
Consumer complaint received 2024-04-13
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. (VA)

IMPROPER USE OF MY CREDIT REPORT I have two accounts that are reporting to TransUnion. On both accounts, TransUnion is reporting unverified late payments where I have requested investigations on each account. TransUnion has yet to conduct a proper investigation NOR supply me with proof. I have requested these accounts to be UPDATED to PAID AS AGREED, NEVER LATE numerous times yet TransUnion continues to verify these accounts with no proof on HOW I was EVER late on these accounts. I have never been 60 days past due on ANY of my accounts. Please provide proof. I do not recall EVER being late. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights!!!!

Under Act 15 US Code 1681 Section 602 states, " I have the right to Privacy. '' 15 US Code 1681 Section 2 states " a consumer reporting agency can not refurnish the account without my written instructions. '' Under 15 US Code 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts as PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX - XXXX XX/XX/2019 XXXX
Consumer complaint received 2024-04-13
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. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank!
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXXXXXX XXXX XXXX INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (MO)

XXXX XXXX March XXXX XXXX XXXX XX/XX/XXXX Payment sent back XX/XX/XXXX. 

After they had said it went through and went back to XXXX $ in credit which I used by XX/XX/XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (WI)

I have for the last week messaged with Amerihome Mortgage regarding paying my taxes out of my escrow by XX/XX/XXXX I have included my mortgage paperwork showing this is the option I picked. They either don't respond or respond saying they will pay them in XX/XX/XXXX. That is not what my paperwork shows. I have asked to remove taxes from my escrow and I will pay them myself but that is not an option with an FHA loan.
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I, XXXX XXXX, am writing this complaint to ensure that I get a response regarding an affidavit that was mailed and delivered to COLUMBIA DEBT RECOVERY LLC XX/XX/2024. The debt collection company is damaging my reputation per 15 USC 1692d ( 1 ). If there is no appropriate response in accordance with the facts brought against them by affidavit, they will be held accountable. I permitted them to respond. Failure to rebuttal all claims brought in the affidavit truthfully and accurately will deem them liable. This company has been lying through their corporate teeth and I'm sick of it.
Consumer complaint received 2024-04-13
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. (VA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-31
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: DISCOVER BANK (TX)

Discover Credit Card Services : I am a XXXX XXXX who was XXXX XXXX XXXX for the pre-release XXXX XXXX before XXXXXXXX XXXX I noticed my discover credit card was being used for monthly payments for the service. I do not use the service, and even my cable provider includes the service ( XXXX  ) with the subscription. 
I disputed previous cases with discover and never have been turned down by the dispute process. However, in disputing 8 months at {$10.00}, I am being turned down, despite ample proof of XXXX for all of these months. The reason is that the " company responded '' to the dispute.
Consumer complaint received 2023-04-21
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: BARCLAYS BANK DELAWARE (MI)

I wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance. 

XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation. 

Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it. 


As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.
Consumer complaint received 2020-09-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I, XXXX XXXX, am reporting against the business, Carrington Mortgage Services. They have been reporting me being late on payment going back to XX/XX/2018. What occurred was Carrington Mortgage picked up my mortgage from XXXX XXXX XXXX  which the transaction was not successful. XXXX XXXX XXXX  withheld money in the transaction to Carrington Mortgage. We were reported by Carrington Mortgage that we had been late on payments from XX/XX/2018. Carrington wanted their {$300.00} and didn ; t consider the amount transferred from XXXX XXXX XXXX. 

We have been making payments to the company every month. The company does not want to provide correction to the credit bureau on making payments on a timely basis. As an active serviceman, the company had been not providing accurate service regarding me being a good customer to the credit bureau. The company does not have a section that resolves these issues. The only thing they have is a record department that has been non compliant in assisting me with my credit to the company. This issue is placing problems with my active service record and clearance status. 

Carrington has not been compliant with customer service relationship with me nor members of my family during this time. 
I want them to take this off my credit. I have never been late paying my mortgage and the company doesn't care. We paid this XXXX {$300.00} a while back and the company still does not want to establish it. 

I want my credit to be fixed and for them to correct this. This is
Consumer complaint received 2023-10-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

My car was repossessed it was from usauto sales i tried to work it out with westlake but git attitude and my car gone. Now XXXX going to lose my job because i have no transportation
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Open Compliant - XXXX Since disputing an alleged bankruptcy being reported on my credit file by Equifax in XX/XX/XXXX, all of my information has disappeared from the Equifax website when I attempt to log in. I am no longer able to access my credit file and FICO score via the Equifax website or the Annual Report website. I review my credit very frequently since I am in the process of pre-qualifying for a mortgage. My lender indicates when trying to pull my file from Equifax he is receiving a " fraud error '' message. 

On XX/XX/XXXX, I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues, she was unable to assist me and that she was sending my request for immediate support, and that the issue should be resolved in 30 min to 24 hours. To date, I have submitted via fax and mailed documents proof of identity ( State Issued DL, Passport, Social Security card, and utility bills ) and Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan.

When speaking with an Equifax agent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was asked to submit documentation via a text link but the agents still refused to unlock my online account stating that my account is still with the technical team. When attempting to escalate to a supervisor or the technical team, agent XXXX indicated that they don't have any supervisors and the technical team does not accept consumer calls and there wasn't a turn around time on when my issue would be resolved. As a result, my lender is unable to obtain my credit report which is hindering my pre-qualification for a mortgage.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Stellantis Financial Services US Corp. (NC)

I applied for a car loan in good faith with Stellantis and adverse action was taken against me. I was told I had to put over {$40000.00} in cash down for a consumer credit transaction. There is not cash involved in a consumer credit transaction. This error has left me in a worse situation that when I applied.
Consumer complaint received 2024-04-12
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. (FL)

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 2023-04-21
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (IN)

Wisely Card : I got an alert at XXXX stating that my balance was {$5000.00} short of what it should be. When I looked there was a charge from some concrete place from Florida ( I live in Indiana ) that was fraudulent. I called immediately to report. This is on a wisely card that my pay goes on automatic every week. I cant get the company to do anything, I am out XXXX and they are basically acting like they wont fix it. Its clearly fraud, if you look up company online its a fake website and number. I dont know what else to do
Consumer complaint received 2021-01-18
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.