davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (NY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 


Review the Following : XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance
Consumer complaint received 2021-02-05
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: CAINE & WEINER COMPANY, INC. (FL)

On XXXX XXXX, 2020, CAINE & WEINER COMPA ( Opened XXXX XXXX, 2020 ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

I received a call from a collections company about a past due bill in the amount of {$470.00}, as well as 3 letters stating the same, from Southwest Credit, a collections company. After discussing with them we found that it was for a new account with XXXX XXXX, a telecommunications company. We then called XXXX XXXX with the information and verified that we have not used their services, nor approve any use of the services under our name or credit. XXXX then informed us it was for service for an address in Texas, of which we have no affiliation. They then required that we fill out a form, downloaded from their website, and submit an FTC report on the situation. They also require past utility bills, statement notarized, proof of Identification, and to submit all info by mail or fax. 

I do think that it is very cumbersome and unprofessional that we have to prove it's not our debt, while they didn't have to do the same to verify the party involved. We didn't get an actual address or any names of anyone involved, only the collections company phone call and letter, and a brief discussion with XXXX XXXX.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to XXXX XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and XXXX XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until XXXX to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. On XX/XX/XXXX I received a letter in the mail stating that I could call and make a pay arrangement. So I called today on XXXX XXXX and was told I couldnt make a payment arrangement and that they will continue to affect my credit report negatively. That a payment is required by XXXX or negative remarks will be added to my credit report.. I have tried over the years to settle this debt and with no resolution. Just rude representative and no compassion or understanding.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

I sent this company 2 letters asking them to validate an account they are reporting against me! The first letter went out, certified mail, on XX/XX/XXXX. THEY JUST NOW CONTACTED ME TO TELL ME THEY ARE INVESTIGATING! According to the FDCPA, they have 30 days to send me full validation of debt, they did not send that by XX/XX/XXXX, their response is in clear violation of the law! PLEASE HELP ME!
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 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 that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.
Consumer complaint received 2021-02-05
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. (PA)

I have spoken to a representative named XXXX at transunion and they are refusing to remove hard inquiries that have not been verified and or authorized. They stated they do not remove hard inquiries. I even spoke to a supervisor that stated the same thing. These items have not been verified and therefore they legally need to be removed from my credit report. The following inquiries should be removed.I explained to them the burden of proof is between them and the creditor and they refused to verify items. 

XXXX XXXX XXXX XXXXXXXX, 2020 XXXX  XXXX, 2020 XXXX  XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 Please have transunion remove these items immediately because the are breaking the law
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

I am formally complaining against XXXX XXXX XXXX XXXXXXXXMILESTONE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted XXXX XXXX XXXX XXXXXXXXMILESTONE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that XXXX XXXX XXXX  XXXXMILESTONE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid 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. (IN)

I filed a dispute with Citi on XX/XX/XXXX for a service that wasn't provided while I was on vacation. I was told it could take up to 60 days for a response. It was a pretty easy dispute and on the XXXX of XXXX they asked for additional documentation to support my claim. 

On XX/XX/XXXX I emailed them additional documentation of the vendors cancellation policy that basically supports what I had told them all along that I should have been refunded. I have enclosed the letter to citi. 

I never received a response until later in XXXX to that letter. There next response was that the form had filled out their form incorrectly and should have checked a different box on the app. They then said I need request it be filed differently. They wanted me to make a request to customer services that this claim be filed under canceled services instead of services XXXX which it was the way it was filed ). I made the request to customer service on XX/XX/XXXX of XXXX. I received a letter from them at the beginning of XX/XX/XXXX saying that it was not within their window where they could help. 

My issue was that I should have been told back in XXXX that I had check the wrong box on their app to dispute charge. It was something if they read the complaint could have been rectified. I had also made numerous calls to customer service agents who never brought up that it had to filed under canceled services instead of services. 

XXXX XXXX
Consumer complaint received 2021-02-05
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. (NJ)

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since XXXX tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Consumer complaint received 2023-09-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (CA)

I attended XXXX XXXX XXXX in XXXX on the XXXX XX/XX/XXXX XXXX. The University claims that I owed them {$2700.00} for amounts not paid. According to records obtained from the Department of Veterans Affairs, the amounts owed were paid in full at the time of attendance. I have screenshots of the amounts paid by the XXXX. and the amounts that the University claims were paid. The amounts do not match. It seems that the University 's records are missing payments. I received a letter from Reliant Capital Solutions , LLC. on XX/XX/XXXX, claiming I owed them the amount referenced. I sent an email stating that I was disputing the claim and that they were not allowed to contact me, by law, until the debt had been validated. I received a follow up email from them on XX/XX/XXXX, at XXXX, stating they had received my request and they were suspending any collection until validated by the University XXXX On XX/XX/XXXX, at XXXX, I received a phone call from the collector. I let it go to voicemail, but they did not leave a message.
Consumer complaint received 2019-12-04
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.
Consumer complaint received 2015-09-17
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Mobiloans, LLC (FL)

On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RSI Enterprises, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

The credit reporting agencies are reporting Public Record Information on my profile that is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I closed on a property on XX/XX/XXXX and had XXXX Mortgage ( XXXX XXXX ). Not issues with that. 
They sold the loan to Penny Mac on XX/XX/XXXX and I was notified on XX/XX/XXXX via mail. meanwhile I cut a mortgage payment to XXXX XXXX and it was cashed on XX/XX/XXXX for {$1800.00} ( check is attached ). 
I had contacted Penny Mac and they told me they had up to 60 days to receive payments and update records. I waited until XX/XX/XXXX ( just over 60 days ) and asked XXXX XXXX Info to provide proof that the payment had been sent to Penny Mac. They ended up getting me in touch with XXXX XXXX ( Post Closing Assistant at XXXX ). Some person named " XXXX '' said " Didn't know payment belonged to investor ... slow " purchase advise in XXXX '' issue. THey overnighted a check to Penny Mac that day. Monday was a holiday ( XXXX XXXXXXXX day ) and the payment was applied on XX/XX/XXXX. 
I reached out to both companies and requested payment gets applied back to date it was cashed ( XX/XX/XXXX ). They both said they would look into and no reply fom either on assisting.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.