davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (NC)

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( PNC Bank ), in case legal action becomes necessary : Authorized Signature of Creditor :
Consumer complaint received 2023-11-30
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. (MO)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

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

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CB/VICSCRT Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-20
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. (NV)

Credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-15
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. (IL)

the experian credit reporting agency has been dishonest in its investigation of this chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with experian, furthermore I went to the federal bankruptcy courts to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies, I received a letter today from the experian company stating that they have confirmed this information with the creditor but failed to list the supplier of this information
Consumer complaint received 2024-01-18
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)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (CA)

My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (WA)

I am attempting to freeze my reporting account and the process is making it nearly impossible to do. Not only is it not possible to contact a rep on the phone or freeze my account on the phone or online, But when i printed out the paperwork to fill it out and mail the notice of dispute form, It asks for my Consumer report number. Which I don't know. I don't know if that is something specific to sagestream or if its something more general. So i went on the sagestream website and attempted to attain my consuer report number from them online. But once I filled out the information the only option was to have it mailed to me! Than I found the contact us link in attempt to email sagestream to ask them to stop holding my consumer report number hostage but prior to submitting the email it asked for my " case number '' Which I do not have! So I was stuck and unable to even send an email. I believe this company is purposely trying to make it difficuilt for people to freeze their information.
Consumer complaint received 2023-11-16
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. (CA)

Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MD)

I paid big picture loan ahead of time to avoid the interest. I was to have no balance left but on XX/XX/XXXX it was a balance of about {$79.00}. Now they're saying l owe them {$290.00}. I refuse to pay more because on a {$1500.00} loan l have paid back close to {$5000.00}. I have had enough.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (LA)

Back Archive Move Delete Spam XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX **Complaint against Capio Partners for violating the Fair Credit Reporting Act** I am writing to file a complaint against Capio Partners for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a copy of my credit report from [ credit reporting agency ]. The report included inaccurate information that was reported by Capio Partners. The inaccurate information included : open balance {$2200.00} sent creditor certified mail to send information regarding information placed on my credit report no account number on credit report to state, no response to certified letter. 
This inaccurate information has damaged my credit score and made it difficult for me to obtain credit. I have contacted Capio Partners several times to dispute the inaccurate information, but they have not responded to my requests. 

I believe that Capio Partners has violated the FCRA by : * Failing to investigate my dispute within a reasonable time. 
* Failing to correct the inaccurate information on my credit report. 

I am requesting that the CFPB investigate this matter and take appropriate action against Capio Partners. I am also requesting that the CFPB help me to get the inaccurate information removed from my credit report. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-05-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

I have a VA Loan. They had a forbearance plan during Covid to help struggling Veterans. I was told that the VA would reduce the overall cost of my loan and allow me to miss payments for 12 months and put those payments at the back of my loan. I did not realize that the reduction was something that I had to pay back. I found out when my credit score went down with the reasoning being that I have a balloon payment that would be due in XXXX. I was devastated and it took a lot of digging before I got the VA to disclose to me where I could find out information about this balloon payment which also turned out to be a lean against my home. This information was not transparent, was not told to me verbally, and was slipped in amount a mountain of paperwork that I signed for the forbearance. The balloon payment was sold to BSI Financial Services ( Phone XXXX ). I contacted them and told them that I would like to start maying payments on this balloon payment because I would be XXXX when the ballon payment is due and if I am not alive at that time my inheritor would not be aware and would lose the home. Even if I am alive waiting until I'm XXXX would end in foreclose so I needed to be able to make payments which BSI did allow. I made an online account that shows my payments, but it does not show how much I owe or my balance when payments are made. They said they don't show account information for forbearance customers. I would like truth and lending in the form of my account information being visible, current, and accurate so that I can keep up with what I owe and have something tangible so that may inherited don't lose my home to foreclosure due to lack of tangible/visible account information.
Consumer complaint received 2023-04-24
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. (MA)

On XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Transunion to dispute and 30 days later it was still on. I wrote to the court address on my file and it was returned as no such address. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgement on a credit report. FCRA LAWS and mandated Metro 2 format COMPLIANCE regulations require ANY and ALL data reported be CERTIFIED AS CORRECT, COMPLETE, and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting. I DO NOT AUTHORIZE you to RETAIN or report other
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (FL)

The bank closed my debit card XXXX for suspicious activity, I clarified that activity as valid and even that the bank refuses to give me a new debit card. 
I been requesting this many times by phone but they say that my account is under review. Until now I dont have any letter or explanation what is happening with my account.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the XXXX credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX report & showing closed delinquent with a XXXX balance on myTransUnion report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both TransUnion & XXXX but nothing has changed or been removed. The errors on the XXXX report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the XXXX XXXX TransUnion updated most of the information correctly XXXX with the exception of status being delinquent instead of current ).
Consumer complaint received 2023-07-17
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. (IL)

I am writing this personal statement to address the issue of bankruptcies that are currently listed on my credit report. It has come to my attention that these bankruptcies are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these bankruptcies should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.
Consumer complaint received 2023-11-16
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. (GA)

I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. nor prove validation. 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
Consumer complaint received 2024-01-24
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-11-16
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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint is in relation to credit reporting and debt collection, involving XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I've only been dealing with these companies the last couple of months, periodically. As recent as XX/XX/2018, XXXX XXXX  sent me a letter informing me that they had reported a debt on my credit report to a credit agency, Experian. I am very baffled by this action, but I currently have a written dispute with XXXX XXXX XXXX and XXXX XXXX  in place. Neither company have completed the validity of debt as requested within the 30 days when first requested. XXXX XXXX reported this debt without notification that it was being disputed. This is unfair and deceptive. I was informed by XXXX that XXXX XXXX purchased the debt, but XXXX XXXX indicated in the letter XX/XX/2018 that i must dispute the debt with XXXX. I have already disputed the debt with XXXX who was collecting on behalf of XXXX XXXX, and I was told that Navient, no longer own the debt. On my credit report, it indicates, I believe that XXXX {$0.00} and XXXX XXXX XXXX, which they added XX/XX/2018. 
Additionally, on XX/XX/XXXX, XXXX XXXX wrote me threaten that my employer would be contacted for wage garnishment. Initially, I thought why is this company contacting me about wage garnishment, attempting to collect a debt. I did not know nor did XXXX XXXX disclose that they were affilated with XXXX XXXX. This is unfair and deceptive in nature. I just want fairness and the intimidation tactics and unfair credit reporting to be removed. I would like to know the relation to all these companies because something is not right, and my rights are being infringed upon as well as, I'm sure many consumers. We as consumers are expected to follow procedural methods to dispute of a debt and these companies should be expected to complete the validity of a debt within the 30 days of the expected first request to the party who requested. This is a debacle and a scam that causing me distress and uncertainty. Please assist with fairness of this matter.
Consumer complaint received 2023-11-30
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.