davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

In XXXX of this year, I requested and was denied a loan through NetCredit. I am not disputing being denied a loan then or a recent application in XXXX XXXX. 

On the site there is an option to be removed from partner solicitation and the submit button is faulty, I asked for more information on how to be removed from partner solicitation. When I pressed the submit button it ask for a second step that was not available on the website- it asked to complete a recaptcha option that was not listed anywhere on the website. 

Additionally, I went on the website and attempted to remove my personal information including my bank account details. The website posted the phone number to change bank information. When I called the number, I was instructed that it was impossible to remove the personal bank account information from the website. 

As I was uncomfortable having my personal banking information on the website, I asked for my entire account to be closed and they outright refused.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The loan servicing company forcing me to pay my property tax to them, while there is no documents exist with my signature that I am obligated to pay my taxes to the lender.   I am paying my mortgage on time and paying my property tax on time through them when it is due, not on a monthly bases.   They applying my mortgage payment towards escrow account, and then threaten me that I am in default.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Around XX/XX/2023 I received a call from a police officer of Louisiana, informing me of a vehicle under my name that was picked up during an arrest. I then filed a FTC report and filed a police report for identity theft. After checking my credit, I began disputing the unauthorized vehicles on XX/XX/2023. The first round of disputes to the bureaus no contact was made to me however, I contacted the auto credit union filed on my credit to also inform them, this was not my vehicle. They then stated they could not give me any information due to the vehicle being under my name and social but the phone number and address I can not confirm. XXXX informed me to dispute with bureaus and once disputed, they can file a remove. However, I have now gone through two rounds of disputes for each bureau and XXXX is still deeming the vehicles as accurate. I did not purchase or cosign a vehicle with XXXX in Louisiana, I do not even live there. XXXX is not helpful and are aware of this fraudulent account. I informed the officers I may know who the individual is that is opening the accounts.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

All bureaus have most of my old addresses on them not just my current one. I have tried to remedy this online and get the message to call in. I then call and wait on extremely long holds, or get transferred around and another time was told to print a request form and mail it in. They don't make the process easy or quick. Credit repair can be a lengthy process and getting the run around by the bureaus just isn't fair.
Consumer complaint received 2022-10-18
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. (TX)

Submitting this CFPB complaint will be my XXXX CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I sent letters to XXXX over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.
Consumer complaint received 2023-07-20
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. (OH)

I received notification of a collection on my report after it appeared within a day of each other from XXXX and Experian. Please see complaint XXXX. 

XXXX, a collection agency, apparently purchased a debt from XXXX XXXX (? ) that I did not owe. I don't know how they got my information but it does not belong to me. 

I never received any correspondence from them. I never received any bill from them. I have not been in receipt of any wet ink signed contract stating or affirming that I received services or money from them and agreed to pay them. We have never had any contract. This is an attempt to taint my credit file after I have worked so hard to make it what it is, and fraudulently steal money from me that is not owed to them. 

According to 15 USC 1692 in FDCPA, it is illegal for a Collection Agency to purchase one 's debt and then try to collect on it.
Consumer complaint received 2023-04-27
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. (CA)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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: CITIBANK, N.A. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-10-17
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. (TX)

I have been disputing 2 fraudulent XXXX XXXX XXXX accounts on my credit report with Experian since XXXX of XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Experian and mailed disputes certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the method of validation/verification of alleged debt since they said they verified the accounts. I never received any proof of validation/verification of alleged debt from Experian. Meanwhile XXXX and XXXX have since deleted the two XXXX XXXX fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I mailed Experian a copy of the FTC Report # XXXX. 
I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
HOW DID Experian VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT Experian says that they HAVE BUT they are NOT WILLING NOT SHOW IT TO ME? EXPERIAN SAY ITS MINE BUT I CANT SEE IT? EXPERIAN WILL NOT SHOW ME VALIDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. AS A CONSUMER I DEMAND THAT EXPERIAN DELETE THE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 
Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information. 

EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

NO CLOSED DATE REPORTING ( BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ) NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS INACCURATE PAYMENT HISTORY IS REPORTING DATE OF LAST ACTIVITY IS NOT EVEN UPDATED NO DATE REPORTED FOR LAST VERIFIED XXXX XXXX  ACCOUNT XXXX : XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) THIS ACCOUNT IS 100 % INCOMPLETE & INACCURATE ACROSS ALL CREDIT BUREAUS VIOLATIONS ERRORS XXXX. DISPUTE STATUS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX XXXX NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) EXPERIAN : NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) ERRORS XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) BY NOT HAVING A CLOSED DATE ITS MAKING A CHARGE-OFF REPORT ON CREDIT EACH MONTH ERRORS XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY BEING REPORTED EXPERIAN : INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) ERRORS XXXX. DATE OF LAST ACTIVITY : ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) XXXX : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) EXPERIAN : XX/XX/XXXX ( THERE IS NO WAY YOU VERIFIED ACCOUNT DATE OF LAST ACTIVITY IS NOT EVEN UPDATED & XXXX DIFFERENT DATES ) ERRORS XXXX. PAST DUE AMOUNT : {$800.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$800.00} EXPERIAN : {$800.00} ERRORS XXXX. HIGH BALANCE : ( THERE ARE XXXX DIFFERENT HIGH BALANCES ) XXXX : {$800.00} EXPERIAN : {$0.00} ERRORS XXXX. NO DATE FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED
Consumer complaint received 2024-03-09
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. (TX)

Saturday, XX/XX/2024 Dear Experian & XXXX Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete XXXX ( XXXX ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( XXXX ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I kindly request the Citi Dispute Team to reopen Cases XXXX and XXXX against XXXX XXXX XXXX, involving amounts of {$1000.00} and {$3500.00}, respectively. I have submitted a comprehensive email thread with the company that underscores their failure to fulfill the agreed-upon delivery timeline and their subsequent agreement to cancel the contract and refund the fees due to their inability to provide the promised service. 

XXXX XXXX XXXX failed to set up the account within the stipulated 10-day period, resorting to providing fake leads to feign progress. When I inquired about the lack of leads, they offered a series of excuses, from improper account setup to issues with XXXX XXXX. Throughout this process, their conduct was marked by a lack of transparency and professionalism. The owner 's behavior and attitude further compounded the problem, making it apparent that they may not honor their refund commitment as promised. This was the primary reason for initiating a dispute through Citi. 

Despite supplying Citi with extensive evidence in the form of screenshots illustrating my ongoing attempts to engage with the company in pursuit of the contracted deliverables, Citi closed the case without explanation and without processing my refund. The company, in turn, failed to produce any credible evidence to counter my claims or demonstrate the delivery of any product or service as per the contract. I reiterate that I have received nothing in accordance with the terms of our agreement. 

I respectfully request that Citi promptly reopen these cases and thoroughly examine the provided information, which should lead to a just resolution in my favor, entailing the reimbursement of the {$4500.00} wrongfully charged by XXXX XXXX. To compound matters, the company has not canceled their services, and I continue to be charged for XXXX XXXX, which I am disputing with Citi as well. It is evident that I am being billed for services that have not been delivered. I hope this information is sufficient to prompt Citi to take appropriate action.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TN)

The original creditor was XXXX XXXX XXXX There was a theft of monies that were paid to the XXXX XXXX XXXX The money was submitted by a federally funded source that assists low-income individuals with their rent payment. The check was correctly sent to XXXX XXXX and the check was later discovered to have been posted to an undisclosed " personal '' account. I spoke with the banking institution who advised that the leasing company was the only party who could investigate the theft if they chose. When I reported the theft of payment to XXXX XXXX, they stated that they would not look into it and they would evict me if I did not pay them again. They refused to investigate the theft of the money when I presented evidence during court proceedings. XXXX XXXX XXXX then decided to dismiss their claim against me. All costs & fees were to be paid by the XXXX " XXXX XXXX XXXX XXXX 
Following the court proceeding XXXX XXXX XXXX  issued me an invoice that was double the amount of what they stated I owed in court and demanded that if I did not pay in XXXX months that the account would be given to a collection agency and they would damage my credit rating. 
I.Q. Data International has taken over ownership of the account in question and have been damaging my credit for several months. The company is even added interest to the account on frequent basis. 
The cost associated with this issue have been dismissed through the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (LA)

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 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 instructions
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MO)

I used XXXX XXXX to transfer XXXX dollars to my own personal checking account. Somehow it was transferred to an old closed account that was removed from my bank accounts. I had no knowledge of this account even existing. For a week I have been calling Chase Bank and XXXX XXXX to figure out where my XXXX dollars went. Chase confirmed it was sent back to XXXX XXXX because the account ending in XXXX was CLOSED. I have documentation of them confirming it was sent back. XXXX said it was never sent back. I called today XX/XX/23 at XXXX PM and was finally able to learn it was in fact deposited into the CLOSED account and they will not return the money to me.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (TX)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.