davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The below mentioned accounts I have never had an account with these companies, I have never conducted any business with them and I don't know who they are. Yet they are reporting these accounts on my credit report. 

XXXX XXXX Balance {$170.00} opened XX/XX/XXXX XXXX XXXX Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX Balance {$320.00} Opened XX/XX/XXXX XXXX XXXX  Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX XXXX of the collections reads : Acct # XXXX Original Creditor ( there is no creditor name and or contact information provided ) Balance {$170.00} Opened XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2022-10-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I sent a letter to Equifax on XX/XX/22 asking for them to investigate items on my account. I waited 60 days before sending a second letter on XX/XX/22 stating that federal law requires them to respond within 30 days and it has been well over that time frame. Another 30 days has now pasted and I still have not heard from them.
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

Hello, Today around XXXX I returned a call to Mariner Finance about my loan. I explained I am only working part time right now and asked for a forbearance or payment modification. XXXX informed me that I wasn't able to do any of those things, she would call next week to see if I can make the payment. She also informed me that I could take a loan out to cover the payment and that it would show on my credit report as being behind on my payments.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX reporting late payments on account that I should not have. XX/XX/2021 XXXX the {$500.00} installment loan with XXXX. To which I paid all my payments on time for the next XXXX years. 

Unbeknownst to me, XXXX switched my account from a {$500.00} loan to a {$750.00} loan without my consent. XXXX never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. XXXX will not be able to show my consent. 

As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. 

XXXX has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. 

Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! 

Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in XXXX month. Thus destroying my credit worthiness! 

XXXX is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor XXXX XXXX people.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (MS)

I received a letter in the mail from Paypal credit stating that I had been approved for a certain amount of credit line. I do not have a Paypal account and I didn't request a credit line. This correspondence also went to an family member 's address and not mine.
Consumer complaint received 2024-04-02
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. (MS)

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$430.00} ; XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

i received a copy of my credit report and noticed some hard inquires that i don't recognize. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX & XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

I am making all my payments on time even before they are due. My nest due is XX/XX/2024 and I got a letter saying that I am past due for XXXX payments. This is the third time they have done this to me making me do Modifications. 
The company is PHH Mortgage.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NY)

I was applying for a mortgage loan with XXXX XXXX XXXX XXXX  and they informed me that there were 3 delinquent accounts with XXXX XXXX XXXX XXXX. I called the company, explained that I have never had an account with them. They said that I would have to travel to the central offices in XXXX XXXX to dispute the charges.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX Trans Union and XXXX were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to my credit.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-21
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)

Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-08-21
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. (AR)

THE OFFICE OF CHILD SUPPORT ENFORCEMENT IN XXXX XXXX, ARKANSAS HAS BEEN REPORTING UNTRUE INFORMATION ON MY CREDIT REPORT THEY ARE REPORTING MY CASE TO BE IN COLLECTIONS AND ALSO REPORTING MY CASE TO BE CLOSED WITH ONE CREDIT REPORTING AGENCY. I HAVE SPOKEN TO MY CASE WORKER AS WELL AS THE SUPERVISOR AND THE ACCOUNT SPECALIST WHOM ALL INSUED ME THAT MY CASE IS NOT IN COLLECTIONS AND I HAVE BEEN PAYING ON TIME AND THAT THEY WOULD GET THIS ERROR FIXED IT HAS BEEN OVER 4 MONTHS AND THE ISSUE REMAINIS I HAVE SPOKEN WITH THE CREDIT REPORTING AGENCIE WHICH ALL INFORM ME THE THE OFFICE OF CHILD SUPPORT IS IN FACT REPORTING THE ACCOUNT TO BE IN COLLECTIONS.
Consumer complaint received 2023-04-26
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. (NJ)

This complaint is my follow-up prior to my previous complaint dated XX/XX/XXXX. 
My complaint disputed some items which needed an investigation ASAP. Please verify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were already in my previous complaint and I am Including them again.
Consumer complaint received 2023-04-21
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. (IA)

XXXX XXXX is counting XXXX as active debt and 120 % towards my credit utilization. It was legally agreed upon a price to mark this as paid. Remove the account and stop counting towards my credit utilization.
Consumer complaint received 2020-01-12
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. (IL)

I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to XXXX XXXX XXXX - Billing Error, I expect appropriate rectifications.
Consumer complaint received 2021-10-26
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. (SD)

I disputed my XXXX XXXX  delinquent account status. I called XXXX XXXX  and they said they did not report as delinquent and that I am in fact NOT DELINQUENT! The transition said that it came back reporting the same thing! I want this cleared up ASAP!
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (WY)

I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX  XXXX  and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.