davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (VA)

We pay from a checking account for a solar loan. This checking account is a house account, not our personal ones so we regularly send money to pay for house expenses to this checking account ( example for mortgage, utilities, solar payment ). 

Apparently there was not enough in the checking account to cover this months solar payment. Instead of emailing, texting, or calling to leave a voice mail, they spammed our phones with unknown number phone calls until my husband answered one. They were aggressive with him and was threatening that a late payment would hurt both of our credit scores ( obviously late payments hurt credit scores, but they were being really aggressive about it ). 

All I need to do is transfer money. They could have been nice about it, but they were aggressive and threatening.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MN)

Jared 's credit card through Comenity bank is predatory. They didn't disclose fees and such, and also couldn't explain the math that didn't add up. Regardless, I paid off the account in full and then requested the account closed. I have requested it closed several times and the bank claims it is. However, I keep getting statements on the account and have been charged interest on a {$0.00} balance once. They refunded the {$3.00} and now my 'closed ' account sits at - {$3.00} ( they owe me ), but I continue to get emails and notifications of statement balances and such. 
I need the government to step in. Comenity is a predatory credit company and lies. I can not get my account closed and would like to sever ties with them permanently.
Consumer complaint received 2024-03-14
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. (LA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, TransUnion, XXXX ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXXXXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors.

I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

My mortgage was sold to MR COOPER. I have always made bi-weekly payments ( plus a little more ) in order to pay down my mortgage. I have never been behind. Mr Cooper does not apply those payments, they simply " hold '' them - completely unapplied under the other payment comes in making a full payment. This completely negates the purpose of paying bi-weekly because since my payments are UNAPPLIED, I am still paying interest on the entire amount. I call every 2 weeks. It is like a full time job. This is their way to keep the interest compounding on the larger amount. Yesterday I spoke with XXXX who informed me that I need to give them my bank account information so they can debit my acct for bi-weekly payments. That is untrue. I've been in real estate over 30 yrs, 17 in sales. I am making my payments early or on time & they should be applied to the balance Immediately with the small amount of extra applied to the principle only. XXXX suggested I open a separate bank account if I don't " trust '' them & just use that. It is not necessary. He also informed me that I could refinance with a Portfolio lender who keeps the loans in house LIKE HE DOES - their rep doesn't even have his mortgage with them! I would love to do this but it would double my current interest rate. There are HUNDREDS of complaints, there's a woman who even made a tiktok video about this very issue. XXXX & XXXX are full of people complaining about them. People have even refinanced their homes only to be sold to them again a month or XXXX later. They are predatory and deceptive. They are taking advantage of people like me who can speak up but I can only imagine the frustration of those like the elderly or XXXX who have nobody to help them, tried & get nowhere with this company.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (AZ)

The national recovery agency, acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. 

The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. 

In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 I requested that Transunion, XXXX and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. Transunion and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX  XXXX reporting that shows any sign of a bankruptcy.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (MO)

This debt originated with XXXX lease to own appliances. They double charged my account for 6 months during the year of 2019. This account was already disputed, handled and removed from all agency reports. It seems a new company has bought a debt that does not exist and has iilegally re-reported it to the agencies.
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (GA)

Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX
Consumer complaint received 2023-10-19
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I want XXXX, XXXX and Equifax to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX - Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( XXXX Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history.

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Consumer complaint received 2023-10-18
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXXccount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I recently filed a complaint XXXX XXXX XXXX but failed to include the other Inquires that I do not recognize. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe these inquires are a result of identity theft.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.
Consumer complaint received 2024-03-14
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. (NY)

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and 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 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NC)

Elan financial stopped updating any of the 3 credit reporting companies as of XXXX of XXXX. This resulted in them showing late payments every month having a drastic impact on my score. When I tried to contact them to update the bureaus they just said they do every month, even though its clear that they haven't been, and filed to do anything to try and remedy the situation.
Consumer complaint received 2024-04-08
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. (NV)

I have serveral account on my credit report that I do not approve, have knowledge of, or are accurate. This is extremely illegal and against my right to a fair credit report. Last chance before legal action is taken again equifax.