davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.
Consumer complaint received 2023-09-26
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 2016-10-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

this money from a credit card upon in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. insurance payment in full the entire amount of money. the XXXX XXXX XXXX sold it without telling me to " XXXX, XXXX XXXX XXXX, XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live, now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

charged for lenders expenses paid by mortgage company. No summary of payments No credit report of these fees, new mortgage company requested a payoff and received new numbers includin the XXXX lenders expenses paid XXXX Making the new loan amount with the new company XXXX more.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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  {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} 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 XXXXXXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} 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 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (SC)

Harris & Harris Ltd is a collection agency for the Commonwealth of Virginia. They forwarded a tax lien issued against XXXX XXXX XXXX a taxable corporation that is owned by its 100 % parent corporation, to XXXX XXXX. XXXX XXXX  illegally confiscated the assets of an XXXX-qualified retirement trust, which holds protected retirement assetsXXXX XXXX  failed to perform reasonable actions to assure it was seizing the assets of the party owing the tax. Instead, XXXX Bank confiscated assets that are protected under XXXX, a federal law that provides protection from creditors, especially from parties who owe nothing to the Commonwealth of Virginia. The beneficiaries of these assets have no tax obligations of any kind to the Commonwealth of Virginia. 

Demands made to Harris & Harris were answered with form letters on how to make payments on the remaining amount due. They ignored my assertion that the retirees do not owe any taxes or other debts to the Commonwealth of Virginia. They made no effort to resolve this problem. 

The seized assets are {$5300.00}. The tax lien was issued on XX/XX/2023 to XXXX XXXX XXXX. The XXXX retirement trust is clearly labeled as owned by XXXX XXXX XXXX. Employee Stock Ownership Plan and Trust. The undersigned, XXXX XXXX XXXX, XXXX, is the XXXX Trustee. XXXX XXXX  and Harris & Harris Ltd acted with a total disregard for the federal laws protecting XXXXretirement assets.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : COMENITYBANK / XXXX / XXXX.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2700.00} CREDIT COLL XXXX XX/XX/XXXX {$530.00} CREDIT COLL XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}
Consumer complaint received 2023-09-26
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

They have been reporting on my credit differently via all 3 major bureaus. On my XXXX they have been claiming I have on time payments since 2020. I have tried all 2020 to contact them to validate this debt. They have not done so and continue to report false information. I believe they are reporting that I have on time payments to prolong statue of limitations and time-barred. I am now on my third attempt via certified mail. It now has been 30 days and again no response.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My name is XXXX XXXX. I am a student loan borrower. I was still making student loan payments during the XXXX student loan payment pauses from XX/XX/XXXX to XX/XX/XXXX as my employer was not qualified for the Public Loan Forgiveness . 
However, because of the recent waiver change and the new law in California ( U.S. Department of Educations updated Public Service Loan Forgiveness ( PSLF ) program launched on XX/XX/XXXX, and will now allow eligible California physicians to participate in the program, despite our state prohibitions on physician employment by private non-profit hospitals, clinics, foundations and other health care entities ), my employer for the past 2 years is now qualified for PSLFs. 
I have contacted Mohela, my loan servicer, to request refund for the payment made during this time as I was not required to make payment during this COVID-19 pause. I was informed by Mohela that the deadline has passed to ask for refund. 
I have never received any contact or update from Mohela regarding this. 
Therefore, I requests to have these payment to be refunded to me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX - XXXX, XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023
Consumer complaint received 2023-10-11
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. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (CA)

I took a loan with OneMain Financial Group for {$12000.00}. I did not know that the loan was attached to my car. I thought this was a personal loan only. Later, I found out that this was a secured loan and it was attached to my car. I am having a financial hardship and OneMain Financial Group forced me to pay the first payment of {$570.00}. it looks like this payment was for interest only. I just know that this payment was for interest only. They didn't tell me about this before. Then, they asked me to pay {$410.00} monthly for 72 months. I told them that I could not make this payment due to my financial hardship. They harassed me on the phone and forced me to make the payment. Later, they asked me to pay {$200.00} for interest only for this month and they will add another payment month at the end ( this means that I have to make 73 payments ). I told them that I could only pay {$110.00} for interest only per month for six months before I could resolve my financial hardship. So far, they have forced me to make {$200.00} for interest only for this month. They do not agree to accept {$110.00} per month for interest only. 

They have called me and emailed me every day and I have to discuss this with them every day. This is a nightmare for me now. I can not focus on my daily work and activities.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint to the EXPERIAN. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.
Consumer complaint received 2024-09-12
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. (AL)

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 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial (WA)

Today ( XXXX  ) I applied for a loan with the company Spot loan online. I received a letter stating they did not approve my loan due to not having a bank account. When I do. In fact I have 2 bank accounts. I have attempted to contact spot loan over this but all I get back is a confirmation email from them stating they will contact me with in 24 hours. 24 hours will be to late. I need to have the money ASAP. This is silly because I keep getting denied at a bunch of different lenders due to them stating that I dont have a bank account when I do. Just because it ain't XXXX XXXX XXXX or XXXX XXXX or a name brand bank shouldn't matter. My bank does everything those banks do. Plus more! My banks are XXXX Bank and XXXX. These companies are doing a form of discrimination over what they feel is not a bank when people do have them. I still have a routing number and an account number, they keep a ledger of all transactions. All the exact same as a bank. This XXXX of they dont fit into our policies is bs. Now I have to jump through hoops because these companies want to play games on what classifies as a bank or not. This should not be a reason why I am denied a loan that otherwise I would've qualified for.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

I had came to XXXX XXXX XXXX looking to finance a vehicle in XX/XX/2022. I was approved and financed through SANTANDER CONSUMER USA HOLDINGS INC. for {$34000.00}. I put down {$2500.00} for a down payment, and was able to drive away with the vehicle. 2 days later the vehicle was having mechanical issues which I informed the car lot XXXX XXXX XXXX. XXXX XXXX XXXXXXXX instructed me to bring the vehicle back which i did that same day I called ( XX/XX/2022 ) and they took the car back saying they will fix it but it has been a over year since then they have had possession of the vehicle. When I check my credit report I'm being penalized and charged for a vehicle I do not possess, the car lot XXXX XXXX XXXX has had possession of the vehicle the entire time and hasn't reached back out or contacted the finance company and informed them of the situation. So my credit is being affected by this situation which is completely absurd and is a violation to my rights according to the Fair Credit Act. I did contact Santander Finance Company and informed them of the situation multiple times which I've documented and made sure they documented as well. I've also filed a complaint with the Federal Trade Commission as well as the Illinois State Attorney General.
Consumer complaint received 2023-10-11
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. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One {$13000.00} Charge off XXXX 15 USC 1681 Section 604 States right to consumers privacy.

Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.
Consumer complaint received 2023-09-26
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. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.