davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

XXXX  claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from XXXX for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to XXXX.
Consumer complaint received 2023-01-06
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)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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: AMERICAN HONDA FINANCE CORP (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of  this account.
Consumer complaint received 2023-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage has been servicing our loan since XX/XX/XXXX. 
In XX/XX/XXXX we filed for XXXX XXXX bankruptcy. Immediately after filing PHH has been trying to force us into default and foreclosure. They ROUTINELY returned our checks claiming they could not read our checks thus we would have late payments attributed to our account! During bankruptcy they added charges to our payment and even though we made the payment plus the additional charges they NEVER credited our account for the charges. They claim we are two months late, however even with shown proof they we are not late, and our payments are current they keep dragging us into bankruptcy court so they could get a stay and assess late fees as well as any charges they see fit. 
Unfortunately, we fell out of bankruptcy prior to completing our payment cycle. Now we are getting harassing letters telling us when we are in default when we have a spreadsheet showing they have received all of their payments. In fact, they hold over {$2000.00} in a suspense account because up until recently we have always paid more than the minimum payment. 
They do not honor the statement they print on the monthly statement : *Partial Payments : Any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. 
During the COVID crisis we did miss one months payment. We applied for COVID relief from them! They NEVER responded to us or our bankruptcy attorney. 
We want them to do a forensic accounting of our account and get their house in order and quit harassing us and threatening default! 
We are considering consulting an attorney to assist in a lawsuit against them. We are also aware of numerous class action lawsuits against PHH Mortgage for excess fees and harassment.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NJ)

I was in the process of refinancing so did not pay XXXX payment until XX/XX/XXXX because the closing was not going to go through. I randomly checked my credit report and it stated I had a 30 day late payment posted by the mortgage company, Loancare. I called Loancare and they admitted their mistake and also informed me that the late payment was posted in mid XXXX, so not even close to 30 days. While the loan was paid 29 days late on XX/XX/XXXX, it was never 30 days late and there was no reason to issue a 30 day late payment in the middle of the month when it was only approx. two weeks late. 

This has dropped by credit score by nearly 50 points and I was refused financing to purchase a vehicle. They said they took it off my account on XX/XX/XXXX ( Letter attached ) but it is still showing. I am at the end of my lease and need to purchase a new vehicle.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX. 
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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX Appears On My XXXX Report Collection with a Balance of {$600.00} Date Opened XX/XX/XXXX Last Reported XX/XX/XXXX Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX Payment Status listed as Late 120 Days Legend Status listed as XXXX XXXX  Current from at Least XX/XX/XXXX through XX/XX/XXXX I have no knowledge of this account. 
I have never received any correspondence from any LVNV Funding. 
XXXX is reporting this to My Report with Several Errors as listed above. 
This is detrimental to My creditworthiness, character, and ability to obtain credit. 
An account can not be designated as XXXX XXXX Current and also Late 120 days. 
This Alleged Account is clearly well past the Illinois Statute for Collecting debt. 
I was Not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) Prior to This Alleged Debt being placed on My XXXX Report. 
I have not been provided the Opportunity to Dispute this account Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This LVNV Collection Company has No Authority to furnish any account to a Consumer Reporting Agency without providing any ans all disclosures required by Law.

LVNV Funding is in Clear Violation of 12 CFR 1006.34 ( d ) As well as 15 USC 1681-S2 ( 7 ) ( A ) It is My Request that this Derogatory Account Be Immediately Removed from My XXXX Report XXXX
Consumer complaint received 2024-03-12
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. (TX)

I am the victim of identity theft, the credit bureaus have not responded to my report claiming identity theft and they did not remove any of the accounts nor did they validate them and they definitely didn't block them 4 days after receipt of my report per FCRA 15 U.S.C 1681 C-2.
Consumer complaint received 2024-02-08
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. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX regarding the Alleged Consumer Loan Receivables Account No. XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

On XX/XX/23, I called Axos Bank before their normal hours of operation and received a message saying there is heavy call volume. Hours later, I called right when the bank is supposedly open, but I got the same heavy call volume message. I do not want to repeatedly call throughout the day and test my luck with getting a live representative.
Consumer complaint received 2020-09-30
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. (TX)

I recently filed a dispute with Transunion regarding unauthorized inquiries on my report. TransUnion did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I got a credit card with Capital One and Ive was paying my bills just fine and even paid for it in advance multiple times of how much I over used it but I did pay my debt, but I miss one payment one time because my bank account wasnt getting my paycheck in time and they just deactivated my card and I tried calling to get a new one but they never sent me a new one and my Capital One account is just hanging on a late fee not even reactive my account and sending me a new card that never showed up to this day XX/XX/2022
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (IN)

I was set to receive my social secruity benefits onto a DirectExpress debit mastercard.. This month on XX/XX/2020 I did not recieve my benefits onto the card the Social Security office sent out my payment but Im unable to get a live person at DirectExpress to apeak to about my account or to even have this specific debit card closed and to open a new one. I have tried every department I can think to help me on this and there isn't anyone because Im unable to get a live person at Direct Deposit. If possible Id like to close the account on the debit card XXXX and have another card sent to me with my benifits on it. Thank you very much.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: The Moore Law Group (CA)

I'm in escrow to sell my house. The Title Company found an old Judgment against me in favor of XXXX XXXX recorded by The Moore Law Group in 2011. I contacted them to find out if I still owed money on it, and they told me they had no active records for this lien, but refused to help me any further. If any money is owed I will gladly pay it, but they are holding me up from selling my house, and I'm in danger of the buyer cancelling the sale if I can't clear title. My escrow is scheduled to close on XX/XX/XXXX, so I'm desperate for help!