davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ). Please investigate and delete these false disputed accounts.
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Both XXXX and Experian have failed to acknowledge that I dispute the results of their " investigation '' into the late payments being falsely reported on both of my reports. I am attaching the supporting letter that I sent to XXXX via their website, along with a copy of my report from their site showing their failure to report that I dispute the account. This is a clear violation of the FCRA and I therefore demand that the items be corrected on both reports in the next seven days. I am keeping careful records of all of my correspondence and will escalate this as I have already experienced months of damage.
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (VA)

American Honda Finance Corporation violated consumer rights and Virginia Consumer Protection Law under Virginia 's 6.2-2217 for Limited Recourse ; repossession and sale of motor vehicle. After repossession of leased vehicle on XX/XX/XXXX, with account no. XXXX, Honda Financial never comply with Virginia Law by sending a timely Notice of Proposed Sale with date, time, and location of sale prior to such sale. By not informing the consumer, XXXX XXXX XXXX, as required by Virginia Law, Honda Financial denied the consumer the opportunity to buy back the vehicle. Every notice Honda Financial sent the consumer was dated and after the fact and as such did not comply with Virginia Law. Consumer sent several letters and requests for the timely notification which Honda Finacial has failed to provide to date.

By not allowing buy back at sale, consumer was not able to initiate process to pay off remaining balance account with alternative lending which was being explored. Consumer is now paying balance even after violation of his rights. Further, these actions by Honda Financial are being reported to credit bureaus as charged off account, when again consumer was not provided with opportunity to address based on lack of required timely notification.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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. (GA)

These inquiries are fraudulent and I did not authorize them. Please have them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PCR Group (GA)

Original Creditor XXXX XXXX XXXX XXXX Attempt to dispute on various occasions Company continue to sell a old debt to various sourcing companies with out my permission resulting in opportunist sourcing companies without my permission to sale, resulting in an appeared refreshed year to reflect as a new account resulting in tarnished credit file. XXXX  XXXX XXXX had stopped reporting to the bureaus as clear from XX/XX/XXXX to XX/XX/XXXX after being disputed in XXXX. XXXX  XXXX reversed the XXXX balance owed 10months later and after another dispute was done and after another 30 day investigation they decided to sale it to another company resulting in the issue we have today. There has also been times when ACCOUNT ADJUSTMENT BUR each month would purposely double report and sometimes 3 times report within the same month like it was a glitch on all 3 XXXXredit bureau 's Account Name ACCOUNT ADJUSTMENT BUR Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Opened XX/XX/XXXX Balance Updated XX/XX/XXXX
Consumer complaint received 2020-04-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/XXXX, I received the ONLY call I've ever received from this company saying that they had made multiple attempts to communicate with me regarding a debt. I called back and a lady named XXXX XXXX answered. By using my phone number, she was able to ascertain that I had an account with them for a debt that is in a public record. She basically told me that I owed more than {$10000.00} and could settle for less than {$2000.00}. She told me that if I didn't pay, they would take me to court and have a judge issue a warrant for my arrest. I asked if I could pay the settlement amount over 6 months. She said yes. We arranged for me to pay {$250.00} per month until the total was satisfied. On XX/XX/XXXX, I spoke with a family member who mentioned debt collection scams. This person helped me XXXX phone numbers and names. As expected, the names I was given for contacts were not found. The two phone numbers I have for the company are attached to pages and pages of scams. All the entries from others with the same complaints with the same sort of dialogue and threats. I checked with the XXXX XXXX XXXX. There is not information for LSA other than complaints with the same information. At this time, I can blocked their numbers and changed the credit card number to ensure that I will not contacted or charged again. Someone should shut down this fraudulent company.
Consumer complaint received 2024-02-26
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. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (NV)

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. 

Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 the following items of information and other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I noticed on my credit report I had a debt collection from Portfolio Recovery in the amount of {$480.00}. I mailed a debt validation letter on XX/XX/XXXX and the company received my letter on XX/XX/XXXX. The company mailed out a response letter on XX/XX/XXXX that did not contain any validation of the debt.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (PA)

Can't connect. Pnc says you have to manually put in your bank info but there is no place to do that. I will be changing banks if I can't get reconnected with these apps. No other bank had these issues..
Consumer complaint received 2020-08-10
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. (FL)

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Consumer complaint received 2020-08-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: OPEN MORTGAGE LLC (TX)

In XX/XX/2019 my sister, XXXX, started thinking about a Reverse Mortgage on her house that was paid off. 
From a friends referral, she had contacted a mortgage agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NMLS # XXXX XXXX had contacted Ms. XXXX and made and appointment to meet. 
During the meeting, XXXX had stated to Ms. XXXX what she needed and MsXXXX XXXX said there would be no problem and it would be an easy process. XXXX is distraught from a close family members death and can not think straight. She does not understand business. Ms. XXXX should have noticed XXXX behavior and ceased the transaction without taking advantage of an elderly in this condition. Unfortunately, she proceeded to let XXXX know the procedure. XXXX was overwhelmed and told MsXXXX XXXX several times that she didnt understand. Ms. XXXX told XXXX it was easy. XXXX signs documents and thats about all. 
Ms. XXXX had the documents ready for XXXX to sign. Ms. XXXX sat with XXXX and kept turning documents over for XXXX signature. When XXXX had asked what one document meant, Ms. XXXX stated it doesnt matter. XXXX continued to sign without understanding. 
Now, because of Ms. XXXX actions, XXXX is in a Reverse Mortgage that she doesnt understand. She received {$5.00}, XXXX and was told that would be all the monies XXXX was to receive. She is also paying {$8200.00} and in an Adjustable Rate Mortgage that she did not understand. 
I went through the documents with XXXX, after I found out what she did, and asked her if she understood them. She said no. She said she felt bad after she signed and wished it hadnt have happened. I pulled out the three day right to recession and asked if she knew she had three days to cancel. She stated she had no idea what that was or she would have cancelled. 
I believe Ms. XXXX unprofessionally coerced XXXX into a situation that she was not capable of handling. 
Ms. XXXX 's profile page states : " Helping seniors understand and evaluate Reverse Mortgage products for a more secure retirement, can be both challenging and rewarding. But finding the right program may bring a wealth of opportunity and financial independence that might otherwise be impossible. '' Of which she did neither for XXXX.
Consumer complaint received 2020-08-10
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: ENCORE CAPITAL GROUP INC. (AZ)

1. Midland Bank XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 3. XXXX  XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  XXXX account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report
Consumer complaint received 2020-08-10
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. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX XXXX {$3400.00} DEPTOFEDUCATONXXXX  XXXX {$3400.00} DEPTOFEDUCATIONXXXX  XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX  XXXX {$3700.00} DEPTOFEDUCATIONXXXX  XXXX {$6000.00} XXXX XXXX {$940.00} XXXX  XXXX {$970.00} XXXX XXXXXXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Consumer complaint received 2020-08-10
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 second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX {$900.00} DEPTOFEDUCATIONXXXX  XXXX {$3400.00} DEPTOFEDUCATONXXXX XXXX {$3400.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTOFEDUCATIONXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTOFEDUCATIONXXXX XXXX {$6000.00} XXXX XXXX {$940.00} XXXX XXXX {$970.00} XXXX XXXX {$940.00} XXXX XXXX {$4000.00} XXXX XXXX {$480.00} CHAPTER XXXX BANKRUPTCYB DISCHARGED XXXX {$0.00} DEPT OF EDUCATION XXXX XXXX {$3100.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX   XXXX {$7100.00} DEPT OF EDUCATION XXXX XXXX {$4700.00} DEPTEDXXXX   XXXX {$8500.00}
Consumer complaint received 2020-06-17
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-17
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries below met this requirement, pursuant to the Act.Otherwise, rescind the errant notation immediately. 

XXXX State Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX XXXX XXXX Cards/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc. (OH)

I was not provided any information about this debt prior to account ( s ) being placed on my credit report and I did not have the opportunity to dispute. 

Please provide Validation of debt, Method of Validation and Assignment of Debt for these accounts as they are not mine. 

FIDELITY PROPERTIES IN : # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2020-08-10
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. (CA)

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to Transunion for the credit XXXX  on my credit report. Their report that states that this creditor account was included in a bankruptcy. Also that this account wads closed on XX/XX/2014. 
Both of these are incorrect according to the attached letter from the creditor XXXX. Their records indicate that this account was charged off on XX/XX/2014. It was settled in a bankruptcy. This information has been reported incorrectly for 6 years!
Consumer complaint received 2020-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (LA)

I received a call from the supervisor XXXX on XXXX XXXX from this company stating an apology for the unprofessionalism that I have been receiving. She requested that I reapply and she would ensure everything would be properly handled. Later this day i received a call from a loan processing specialist saying that all information was received but they needed to verify my bank account because their system was down she stated that she would have a supervisor contact me. There was no call from supervisor only to wake again with a closed application with fraudulent excuses.This company is stealing information, damaging credit scores, and discriminating. Recieved a loan 3 months ago same day no problems and new management is unprofessional.