davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2017
Consumer complaint received 2021-06-22
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. (NV)

I was informed that my mortgage payment was 60 days late when in fact it not now ; nor has it ever been late in the past years. My mortgage was sold to XXXX by XXXX who continued to forward every payment but one to XXXX. When notified by Freedom that I was delinquent, I immediately contacted XXXX who I was still sending my payments. XXXX adopted that posture that they were not going to forward the monies unless I could verify that they received the funds. On several 3 way conversations between XXXX, XXXX and myself XXXX eventually became irritated and finally put the funds back in my account and I promptly made the missing payment. All entities knew that they had the money, were stalling with payment in an effort to assassinate my credit. XXXX at this point wasted no time in pulling my pants down to my ankles. Bending me at the waist. And proceeded to XXXX XXXX me with the 60 day late connotation, ruined my opportunity to secure my refinance attempt at less than two percent and losing out on an auto loan for the classic car of my dreams. There is no doubt in my military mind that this was not a planned maneuver on both parties parts. Credit has and remains a tool of privilege for those without melanin and a dagger in the heart for those believed to have too much melanin. It is extremely sad when mortgage conglomerates work in concert to ensure that the average XXXX man will never have favorable credit. It's about control.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX 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. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XX/XX/2019, I was unable to log into my MyEquifax account to manage my Equifax credit report freeze. The website told me to call Equifax customer support to resolve the issue. 

I called Equifax and verified all my information with an Equifax agent. He told me that the issue should be fixed soon. 

It has been over two years and I havent received any update from Equifax and Im still unable to manage my Equifax credit report freeze. Im also currently unable to manage my Equifax credit report freeze over the phone. 

Equifax has repeatedly failed to tell me why I cant manage my Equifax credit report freeze online or over the phone. 

Im fearful that Ill end up in a situation in which I need to immediately lift the freeze on my Equifax credit report and will be unable to do so, causing irreparable financial harm to myself.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Found a credit card debt I don't recognized from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX   in the amount of {$670.00}. Seen reported on XXXX, XXXX and XXXX. Creditor information : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (LA)

Well we have XXXX on the acct and its says hes XXXX but they collected money from us and told us they would return the money and they dont, threatening us that they would garnish my check. Hes still XXXX  and they put on paperwork for 6 months to a year snd they still harass us about the payment. Then they say they added the payments yo the back of the Back of the loan instead of returning our payment back to us.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I was shipping for a mattress with XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX. 
Was going to go on with the purchase but change my mind. Nevertheless they processed my information and charge a credit card {$3200.00}. I received TD bank XXXX which I havent authorizes .Seller refuses to do anything about it.. Bank refuses to do anything about it.
Consumer complaint received 2021-06-22
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: U.S. BANCORP (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Date XXXX
Consumer complaint received 2022-09-12
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. (WA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? 
This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX   XXXX   XXXX   {$5600.00}, now {$4600.00} minus {$350.00} payment on   XXXX   XXXX   XXXX   I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.
Consumer complaint received 2017-11-21
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. (FL)

In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX. Experian conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX.  This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to Experian that confirms this. Experian is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NC)

My Destiny credit card expired XX/XX/. I called in XXXX to ensure that I would receive a new card soon. Customer service assured me that I would receive a new card. In XXXX I still have no card. I contacted customer service and was told that an error took place on their behalf and I should get a card in 3 to 5 business days. XX/XX/XXXX I still have no card. When I contacted the company again I was told there is a " shortage of cards '' I have been paying my bill but have no access to my card.
Consumer complaint received 2023-03-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-22
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. (IA)

Experian & XXXX XXXX continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NE)

On XX/XX/XXXX, I tried to unfreeze my credit reporting with Equifax, online. Their system wouldn't let me complete the process. I then tried to complete this over the phone with the same results. There was no option to speak with a person. It stated that I was to mail in my request with SS card and Drivers license ( I was unconfortable doing this in the mail but, I did ). I have not heard from them confirming whether or not it has been unfrozen. I have the pin number issued when I froze my account but, was never asked to provide it. I feel that I have the information ( Pin # ) given when account frozen but Equifax is making it difficult to readily access the information crucial in operating in this information age ( like I'm being held XXXX ).
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (UT)

I was referred to him. In mid XX/XX/2016, we meet with him to see whether or he could help us. He proceeded to inform us that he could help but will be tricky due to the gifting in the contract and that a lot of realitor 's could not help us. I have never bought a house so I assumed that he was being honest. From word of mouth, including gifting in a house loan is extremely difficult. So we decided to go this way and started the paperwork. We got all of the paperwork together that he asked for.. Pay stubs, checking account info, Taxes and a Power of Attorney from the Bank. So papers were drawn up. We go and sign roughly 2 weeks later. Then he proceeds to tell me that he missed some stuff and that we need to come back to sign more papers. So we do this 2 / 3 times. So I need to leave work a little early to do this. I explained to him that this is costing a lot of money in gas and that I have to keep leaving work early due to traffic. After the third time of going down to sign papers, I told him my son was leaving and we needed to ensure that we have all the paperwork in line. He stated we did. Then came again for the fourth time and stated that we needed more info and still needed to sign more papers. Then he had stated to us that he had lost the papers due to carrying then in a backpack from changing offices again for the second / third time. So I took a couple days off work and we drove to we drove to California. We got the papers signed. Drove back. Got in touch with him and dropped off the papers. After doing all that and meeting with him on countless times. After 3 weeks goes by, he stated that due to the time frame on the loan, it took to long. And that we needed all new info again. I reminded him on how that I asked him to ensure that we had everything together the first time and he said we did. He apologize and stated how he not organized due to moving offices and losing papers.I explained and expressed very hard, telling him I 'm gon na have one shot at this due to different reasons. I explained the reason to him as well. So I got what he asked for and got the papers signed that he wanted signed. Got them all back to him. After 2 or 3 weeks goes by. He proceeds to tell me that he needed more info and that we may need this years taxes as well. I asked why on the taxes. Again because of the time frame. So after 3 months of losing papers. acciddently shredding papers or needed to resign the same thing and being extremely lost and frustrated. Of being told the process took to long while waiting on him.Towards the end of XX/XX/XXXX was the last time I spoke with him and told him that I 'm not using him. I did not realize that it took 3 months of paper work and still not done according to him. Then in XX/XX/XXXX, he CHARGED A XXXX Cost to my credit card for a home appraisal. We only got a text stating the amount of XXXX is what the home is worth. We never got our appraisal.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal randomly closed my account for without explanting why, other than claiming I violated their Terms of Service, which is absolutely false. Everything was fine until a transaction was sent to me by a life long friend and I received an email from PayPal saying I could no longer use their services. Believe me, I have tried for literal months to get things resolved and they not a single employee ( if I'm lucky enough to get to a real person instead of a support bot ) will not help me with getting it back up and going. I reread the. I was thrilled when I remembered I could file a report on this amazing platform since they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I don't want to rant my whole overall opinion on how PayPal runs their company, but stuff like this happens on a regular basis and it is absolutely absurd. Almost 90 % of the funds to my name are locked in PayPal, and I don't have time to wait 180 days like they want me to do. There is absolutely no reason that this issue can't be resolved by PayPal support. 

My email linked to my PayPal account is " XXXX ''
Consumer complaint received 2017-11-21
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: EQUIFAX, INC. (TN)

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed
Consumer complaint received 2020-12-23
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: LEXISNEXIS (GA)

This is my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.
Consumer complaint received 2019-06-23
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. (CA)

On XXXX XXXX, 2019. Trans Union dropped my credit score by 23pts because I paid off the entire remaining balance of {$870.00} on my loan with XXXX XXXX ( XXXX ) XXXX. Instead of my credit score going up for paying off the loan they dropped it 23pts because the account was now closed. I have been taking pain staking efforts to stay out of debt and paying off debts and Im getting punished for not owning enough money to enough debtors. This is backwards and wrong. 

XXXX XXXX