davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (FL)

I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.
Consumer complaint received 2023-10-05
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. (FL)

I have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (FL)

A fraudulent account was opened in my name. This account is now being collected by a collection company. The company has refused to provide the requested documents that i have written on 3 separate occasions. A formal complaint was placed with the FTC, cfpb and all 3 CRA 's, and they did nothing. Now that i know its a fraudulent account i am herby notifying all 3 bureaus and the CFPB, The FTC and the company. I recently was made aware that 3 separate accounts were fraudulently opened in my name and have since placed a fraud report on Identitytheft.gov and have named this company in the findings. The company was made aware the account was not started by me and refuses to remove or provide competent evidence the account belongs to me. I have notified the collection agency that the account is fraudulent via mail and phone and they refuse to send fraud documents and are still trying to collect the debt in violation of FTC 's notice to furnishers of information guidelines. This account is fraudulent and was not authorized or started by me. The company should have no problem providing a signed contract, or note with my signature if the account is valid. The reason they can not is because the account is fraudulent. Verifying my address and name can be done with a phone book and is not proper validation.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC (TN)

My rental application was denied based on information from Screening Reports Inc . When I inquired a copy of records, I was advised to contact XXXX. XXXX stated that the record wasnt on my credit report, but agreed to send a copy of records.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (FL)

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. XXXX NEW XXXX ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH XXXX ONLY AND ACCORDING TO 15 US CODE 1681a XXXX XXXX XXXX THESE XXXX COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX PARTNERS AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH XXXX XXXX ACCOUNTS HAVE ALREADY BEEN REMOVED.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My loans were moved to MOHELA as part of the XXXX XXXX program. I do not want to default again but when I log into MOHELA, it shows that I have XXXX balance even though studentaid.gov still lists my student loan debt at over XXXX. 

If I can't pay in XXXX, I'm going to be punished for MOHELA 's inability to process my loan information.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit 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. (CA)

Credit Card HoldeXXXX Citi Bank has agreed that the purchases done were fraudulent. Citi Bank agreed to remove the fraudulent charges and did so in a timely manner. But due to my wallet being stolen alongside my new credit card, Citi Bank decided to bring back the past fraudulent charges and has refused to take them out from my account.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (WI)

XXXX XXXX neglected to pay a claim for damages on my vehicle that was fully insured by XXXX XXXX. Due to breach of contract for not fulfilling their duty to satisfy my claim for damages on my vehicle. They fraudulently took money from me for insurance coverage and failed to provide coverage for damages made to my vehicle. I then canceled my policy for breach of contract and then this fraudulent entity adds a collection account to my credit report.Report. Causing me more harm and damages. XXXX XXXX is not owed any money from me. I am due monies to cover my claim from XXXX XXXX. XXXX XXXX needs to erase their fraudulent collection account off of my credit reports immediately!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

XXXX ) I was given a years free credit monitoring service by Experian from XXXX XXXX XXXX because the lost my personal information to hackers. 

But because I already have a paid monitoring service with Experian, they won't change my PAID and MUCH LESS SERVICE than the FREE MORE SERVICE PLAN paid by XXXX XXXX XXXX. 

I've been given a run around that I can 100 % PROVE WITH CLEAR EVIDENCE, sent to more that XXXX different phone numbers with collectively hours on hold with ZERO RESOLUTION/HELP. 

XXXX ) I contacted Experian threw XXXX. Was given the same run around till I tag them in a post. Then they responded with a link sending me to a site giving them 100 % full control of my XXXX account. XXXX!! 
I HAVE 100 % UNDENIABLE PROOF OF THIS TOO!! 

The thing that gets be, the audacity the blatant audacity of disingenuous, the uncaring laughable attitude they present. 
If the CEO was with me in every step of every conversation I had I just am in awe of how many people would have lost their jobs!! 
I went threw the same XXXX and disrespect or care when dealing with their broken XXXX  b.s. 
Simply a train run off it's tracks. 
Please please please help help these crooks straighten out.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-08-28
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-05
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. (FL)

I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-23
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. (TX)

Equifax I have reviewed some information on my credit report that shows some inquires that I never authorized. Please delete these fraudulent inquiries XXXX XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : AMEX Your Company as Violated my consumer rights.

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP (NY)

Tried to get a consolidation/home equity line of credit loan with KeyBank on XX/XX/2023 at a branch with a personal banker who ran my credit report after having an awful experience with another bank XXXX XXXX XXXX XXXX XXXX Was told by personal banker and branch manager to not pay off credit cards as loan would be approved and they would have to close my credit cards which is wrong information as that gets reported in a negative way to the credit agencies. After another XXXX weeks of waiting with this bank when I lost XXXX weeks with the first bank, they ran my credit report again and they plummeted down to XXXX XXXX XXXX  due to me not making my payments to creditors as per the bank 's instructions. Loan was denied by this one as well. They also told me they would use my home which is paid off with no mortgage as collateral when in fact anyone knows you need to be in your home for XXXX  months before it can be used as equity. Again, wrong information given to me.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family I have never lived at these addresses!!!!!!!
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I asked credit reporting company to verify that the information on my credit report is reporting correctly. The credit reporting agency said they did so I refreshed my credit report to see that it still say that my credit report wasn't updated and I still found inaccuracies still on my credit report even after they said they did verify everything on my credit report. 
XXXX-Account # XXXX is this account and in accordance to the Fair Credit Reporting Act XXXX Account # XXXX 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 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I recently received a tax bill from XXXX XXXX XXXX XXXX for a total of XXXX XXXX My lender- Wells Fargo already has an escrow account setup but looks like they made a mistake and paid taxes to a different property. The XXXX XXXX says that a tax lien will be issued if taxes are not paid and I am at a risk of foreclosure.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (PA)

XXXX XXXX UNAUTHORIZED HARD INQUIRY EXPERIAN BY XXXX XXXX XXXX  ). 

THE COMPANY ADMITTED WHEN CONTACTED THAT THEY HAVE RECORD AND DONT KNOW THIS IS SHOWING ON MY EXPERIAN ACCOUNT. THAT THEY ONLY PULLED " XXXX '' ONLY & 95 % OF THE TIME ONLY " XXXX ''. 

THEY SAID FOR 3 SEPERATE APPLICATIONS XXXX ONLY WAS PULLED. I AM CKNTACTING RIGHT AWAY BECAUSE THIS INQUIRY SHOULD NOT BE ON HERE. I EVEN HAVE EMAIL & THE PHONE CALL CONVO AS PROOF THAT IT SHOULD NOT BE ON MY REPORT.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA has misapplied my payments and currently does not know where the money is. I have bank statements going back as far as of XX/XX/XXXX showing money withdrawn from my account and CLEARING my account. 
I tried calling MOHELA yesterday ( XX/XX/XXXX ), however it was over a XXXX minute wait. I called them this morning and waited over XXXX minutes. I spoke to XXXX @ MOHELA around XXXX XXXX ( XXXX  ) and she was a trainee and unable to assist me with my concern. I waited on hold for another XXXX minutes and spoke to XXXX @ MOHELA around XXXX XXXX ( XXXXXXXX ). 
Per XXXX @ MOHELA, in their system it shows that payments were made and/or cancelled or reversed on their end. She went over the amounts and their information is way off. Per XXXX, nothing appears to be wrong on their end and now wants me to submit a substantial amount of proof, which is going to take me a lot of time to gather and send over. There is something wrong with their system or someone may be embezzling money on their end. 
This should not be happening to me and it is wasting a lot of my time on their errors.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VT)

Reported card as fraudulent activity! Have provided company with statement from employer that I was at work the time these charges were made in another state along with a police report from my home state! This company states they have a 0 fraud liability policy, and they are not adhering to there policy! My next step will be litigation if you are unable to intervene!