davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (TN)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the credit bureau XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

In XX/XX/2022 I became very very ill due to XXXX XXXX and fell behind my payments for my Discover card in XXXX and XXXX. I received accommodation from Discover by waiving my late fees. According to XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( l ) states the following : the furnisher shall report the credit obligation or account as current.
Consumer complaint received 2024-03-23
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. (NC)

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record XXXX XXXX  bankruptcy. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX XXXX XXXX and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of XXXX So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2017-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

DISCOVER IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE 1 DISCOVER CREDIT CARD BUT XXXX IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (TX)

when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX XXXX XXXX has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my XXXX, XXXX and Equifax account Disputed during the period of XX/XX/2023 to XX/XX/2023. I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX XXXX  XXXX Dollars, That I've recently disputed for the same issue.
Consumer complaint received 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (DE)

My forms to have my loans forgiven were rejected by MOHELA as duplicates in XX/XX/2022, when I was requested to resend them. I resubmitted them and the forms have been sitting on the server the past five months. I was told that it would take only 60 days to re-process the forms. I have been trying to contact a customer service rep/MOHELA for clarification and have yet to hear back. Even my emails come back with a form letter with no information other than to contact them, which again gets no response.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ARP & Associates LLC (TX)

I owe XXXX XXXX XXXX and I was contacted by ARP associates and was told that if I didnt pay back that I was in danger of having my government benefits relinquished and stopped for non payment. I already paid for some of the debt. I am a victim of identity theft and I am concerned that I payed some type of scammer. I am not sure if the ARP & Associates are even legitimate or real. I realized this when they attempted to charge my bank card and was told that it did not go through however my bank did pay for it and thankfully the bank credited my account. Also, what was suspicious was that I received a fraud alert from the same company since they continued to charge my card after this happened. I already payed some of my loan to these people and I sm not sure if they are redd as l or if they scammed me. Please help thank you.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My loans thru XXXX XXXX XXXX were transferred/sold to XXXX in XXXX XXXX XXXX A total balance of XXXX was transferred to them and I have been making payments to XXXX for the loans since XXXX when payments resumed after the pause. 

XXXX is still reporting I have a total of XXXX in loans remaining to them. These loans are already included in the XXXX transfer. The loans amounts showing up on all 3 of credit report are : Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Not only do they show up with balances. They show a XXXX payment due on these accounts. I have repeatedly called and spoke to agents to get these taken off my credit report and they keep telling me XXXX needs to remove them. This has nothing to do with XXXX because the other loans are removed but these still remain on my credit report. XXXX already told me there is nothing they can do on their end because the reporting isn't coming from them
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

XXXX deleted this inaccurate account from my reports. XXXX and Equifax is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting XXXX different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

This account needs to be deleted from my reports now!
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I was scammed out of $ for advertising and marketing services that were paid for with my LLC funds out of my PNC checking account. I notified PNC of the transaction reversals that needed to be done to return the funds for services not received back to my account ( as the funds were returned to my PNC credit card within 72-hours, maybe less than that ). 
However, I have been chasing PNC around for what will be a year in XX/XX/2023, after providing them with endless documentation to validate the fraudulent scam and an export of the date ranges from my PNC online account with the dates of service and amounts for each transaction. 
I would like to know when I can expect the funds to be returned back to my account. 
PNC also does not respect my work hours, as months ago when I first filed the complaint, I took time from my actual Congressional job to devote time to resolving the matter. Unfortunately, PNC 's antics were unbearable and became a waste of my workday so " XXXX '' needs not to call me unless it's on my off-hours ( after XXXX EST ) as I have already provided PNC with well over a handful of documents to support my claim and at this point, the funds need to be returned back to my account before additional branches are forced to close.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans union states this was verified, really by who? The court told me they do not verify or validate this. So they are telln a fib. Therefore now I ask Trans-union to cease n desist their in-accurate reporting of this information. They know full well courts do not validate nor verify this information.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) to XXXX Hello, We have a situation. According to Selene Finance I did not pay my XX/XX/2023 mortgage payment. That is simply not true. I used the the phone system to make XXXX payment but it was not picked up by your in-house system. 

At any rate, it's updated now. HOWEVER, Selene Finance didn't bother to notify me by phone or email and sent my delequince to the credit score companies which caused my XXXX score to drop by more than XXXX points. Very un-cool when all you had to do was pick up the phone for a XXXX minute phone call. ( My XXXX XXXX was in the high XXXX 's ) I would like Selene Finance to remove the late payment from the three Credit companies. 

Give me a call if you would like more info. 

Thanks XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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 an account without my written instructions
Consumer complaint received 2023-01-21
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. (GA)

I have tried to remove the following bankruptcies from my Transunion and XXXX credit report that have been failed to be validated. I have reached out to Transunion and XXXX on multiple times. XXXX has removed the bankruptcies due to them not validated. I have been trying for over 2 years. Please help me, as I feel that I can't get anywhere. 

XXXX XXXX  Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-16
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. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-01-09
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX