davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates llc has reported accounts to the XXXX  that is incorrect and costing me fees and penalties as well ... 3 credit cards were filed within a bankruptcy back in 2009 and accounts were : XXXX XXXX  visa, XXXX XXXX and XXXX money which all 3 show listed under one company ( portfolio recovery associates llc ) since then with incorrect information. It has long since past the statue of limitations since the filing of the bankruptcy and needs to be cleared from records including the XXXX.
Consumer complaint received 2024-03-22
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. (AZ)

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.

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 2023-01-24
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I filed a dispute with TransUnion on XX/XX/2021 and have yet to receive any response in regards to the status of the dispute. I feel as if Im being taken advantage of at this point.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since 2014 ( account closed ) Capital One continues to report my credit card account as open and continues to charge me interest on a closed account. The account is closed and they continue to keep the minimum payment amount the same even though the balance is decreasing after consistent payments. They refuse to adjust or even report the account as closed. If they account is closed, why am I still charged interest and why isn't the minimum payment due reduced?
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I suspect fraudulent activity may have occurred on my account as I do my finances and expect the amount to be in my account and sometimes its the complete opposite or lower than what I expected I want a full investigation to make sure my account was not tampered with.
Consumer complaint received 2023-01-24
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/2021 I paid {$500.00} to AmeriSave Mortgage Company to lock in a 2.25 % interest rate on a 15 year refinance. I submitted ALL documentation requested by Amerisave consistently in a VERY timely manner. Two weeks of silence after submitting all requested documentation the Loan Originator and Loan Processor were non-responsive to requests for an update. I had to escalate to XXXX XXXX ( President of AmeriSave ) twice over the course of the next two weeks. The VP of Sales got involved and requested more information and assured me we would figure something out. Finally on XX/XX/2021 was notified by other executives at Amerisave that the debt to income ratio does not qualify for AmeriSave 2.25 rate on a 15  year mortgage. The result is totally acceptable to me but I believe there is a " bait and switch '' tactic being employed at AmeriSave to string people along. I advise everyone to be extremely careful in dealing with AmeriSave Mortgage. Clearly I should have been notified much sooner of the result in order to bring my application to some type of closure sooner.
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (CA)

I Applied for an auto loan and Experian credit reporting agency has me listed as deceased. I called them at XXXX. This number only takes you to menus, no access to a person. Every time I try a menu it shuts me down and says it can not confirm my Identity. No XXXX, give me someone to talk to so I can resolve this. I spent the next hour on there website and every time I try to get help it says it can not confirm my Identity. No XXXX, give me some direction. Can I get someone to contact me so I can send documents or give me a path to clear this up. This is absurd that you can report someone as deceased and then give them no way to contact you to understand how to clear it up. When they can't confirm your identity they should be required to reach out to you or send you an email with a way to contact them.
Consumer complaint received 2023-01-24
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kirschenbaum & Phillips P.C (NY)

The letter I received is dated XX/XX/XXXX. The debt amount is {$17000.00}. The entry date is XX/XX/XXXX. From the law office Kirschenbaum & Phillips to contact my employer if I do not voluntarily submit weekly payments to this law office via XXXX XXXX Sheriff Office.
Consumer complaint received 2021-03-12
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: ENCORE CAPITAL GROUP INC. (MD)

MIDLAND FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was PAID and close i am no longer responsible for this account. According to the FCRA, MIDLAND FUNDING LLC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

Contract Callers Inc is reporting a collection with account number XXXX on my consumer credit report. Contract callers Inc was never given consent to share my information with any third parties such as credit reporting agencies. Also me the consumer was never provided a written notice of debt validation from contract callers and with that being said contract callers is in violation of FDCPA and this collection account is to be removed from any and all consumer credit reporting agencies that it is being reported to or the FTC will be notified of this violation of my consumer rights.
Consumer complaint received 2023-01-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Had applied for a modification and loan assumption. Was put on a 3 month trial if modification was not granted by Wells Fargo. If modification was not granted the money was supposed to be refunded. It was not granted they sold the ho use and kept my money. They are saying that the modification was approved on XX/XX/15. But the trial payment didn't start until XX/XX/2015.
Consumer complaint received 2022-11-09
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. (OH)

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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX total XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2023-12-07
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. (MA)

I sent three distinct disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing a purported 30 day late payment. They responded negatively to all three of them despite my providing extensive evidence that I had paid the account on time. They claimed that the lender had confirmed the late payment on all three despite a part of my evidence being the lender explicitly admitting fault in the matter and guaranteeing that the charge would be removed.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (TN)

In XXXX of 2019 I purchased a brand new 2019 XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX XXXX, VA. I traded in a XXXX XXXX XXXX for this vehicle in which I was told would be used as a down payment for the vehicle I was getting. After doing some research I noticed that there was fraudulent activity done to make this loan happen. 

1. I was not given my disclosures under the XXXX XXXX XXXX act letting me know how they would be sharing my information with 3rd parties. That is a violation. 

2. 12 U.S. Code 83- states banks are not allowed to lend their own money out so where did this mysterious loan come from that you gave me? 

XXXX. You were only able to create the loan once I signed my contract in which you create an asset on your books and make the borrow the liability creating money out of thin air but you never had the money to give so this loan was therefore created off of my signature which makes me the original creditor of the loan.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I leased a XXXX with XXXX XXXX XXXX in 2017, the car was returned at the XXXX dealer two years later and XXXX paid off the balance. They original said that there was a balance for wear and tear. They never sent me a final bill of the wear and tear in spite of my requests. This was all during the pandemic, I reached out to them many times and no answer. Now they are saying that it was an early lease termination which is also incorrect. I recently leased another XXXX and it is finance through them and I had no problem getting approved. I have disputed this with the 3 bureaus and they are refusing to remove this negative rating which is affecting my credit and it is unfair and unethical of XXXX. I have finance 4 new cars after this and I have had no problem. I need you to please help me resolve this issue and have them correct their error
Consumer complaint received 2024-03-17
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. (GA)

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .EQUIFAX IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EQUIFAX TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES ADN PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT FILE NUMBER XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Consumer complaint received 2021-03-12
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: Navient Solutions, LLC. (AZ)

Navient is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to XXXX XXXX XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job Navient to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.
Consumer complaint received 2020-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX, XXXX XXXX credit services incorrectly reported to Transunion and XXXX  credit reporting services that I was late on a payment. XXXX XXXX  has corrected this information and sent notices to all the credit reporting agencies. XXXX  has removed the error from my credit report after filing a dispute. However, Transunion 's dispute system is riddled with errors. 

On Thursday, XX/XX/XXXX, I attempted to file an online dispute with Transunion. The system said they were having technical difficulties. I called the number and the customer service rep said that I could call their Online Support. The number for Online Support is XXXX. Unfortunately, that number does not work. On Friday, XXXX, I once again attempted to file the dispute online, this time with a letter from XXXX XXXX  outlining the error. The system still says it's having technical difficulties. 

Throughout the last week, I continued to try to log in to see if the technical issues were resolved with no result. 

Today XXXX XX/XX/XXXX ), I again attempted to login to file the dispute and got the same technical issues error. So, once again, I called customer service and was given the online assistance number. When I called that number, it still doesn't work. 

I've not had these issues with either XXXX  or XXXX.
Consumer complaint received 2020-03-11
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. (FL)

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of Inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX