davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (CA)

I have been trying to get some incorrect information of my Experian report. To start XXXX XXXX Account # XXXX this is suppose to be at XXXX and I have been fighting this since June of 2020 I have sent them proof of this. XXXX XXXX XXXX Open XX/XX/XXXX, this debt was discharge on a 1099C tax form that means the debt was cancelled and is not balance owned to the creditor. I have sending in proof which I will send you too. I want this deleted off my account since it has been almost a year and they refuse to do anything even after I gave them proof. 9 months and still nothing has been done after counts attempt what in the world do I have to do?
Consumer complaint received 2024-02-24
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. (PA)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Consumer complaint received 2021-03-16
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. (OH)

TransUnion is reporting inaccurate information on my consumer credit report. I have previously contacted them but did not obtain cooperation. I have also attached proof of my identity XXXX Driver 's license, social security card, and credit card ) because TransUnion has failed to investigate prior complaints alleging that they were not submitted by me. It should be noted that these after investigation, these accounts were removed from my XXXX  consumer credit report. Please see attached FTC Fraud Report and other related attachments
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MI)

This is pertaining to XXXX XXXX XXXX XXXX. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. At that time I had 50 years driving experience and no points on my record. In XX/XX/XXXX I was rear ended by a XXXX that drove off and my car was totaled. XXXX did not investigate the accident being that it was in downtown XXXX with cameras everywhere which they could have easily done and I requested. I had pre-existing medical conditions, retained an attorney and was placed on medical leave. XXXX referred my case to Investigations, accused me of causing the accident which I still don't understand the rationale and made numerous derogatory harassing insinuations. I had no choice but to continue with XXXX who continually increased my premiums from {$200.00} to {$370.00} per month. In XX/XX/XXXX I could no longer afford the payments. The term was XX/XX/XXXX through XX/XX/XXXX. I made all the payments through XX/XX/XXXX. Being that insurance payments are paid in advance of coverage this covered XXXX through XX/XX/XXXX. XXXX canceled the policy XX/XX/XXXX. I insured with another agency XX/XX/XXXX. 

Since then XXXX has been sending me bills for {$360.00} alleging the XXXX bill. They placed a derogatory rating on my credit report. I disputed the item with XXXX and XXXX has never substantiated the item. Since then XXXX has referred this to Caine Webber Collection Agency who proposed an alleged settlement. When I disputed the amount with them. They sent a XX/XX/XXXX bill. I told them my last payment was in XX/XX/XXXX and then the insurance was canceled. They asked me to substantiate that I had insurance with XXXX. I asked them not to contact me again. I never gave them permission to contact me on my personal email.
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (PA)

There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time i had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over XXXX points. The first company is Consumer Adj co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, totaling XXXX and the second is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of 6. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On several occasions on different dates, I have attempted to temporarily lift a properly executed security freeze at Experian. In possession of the PIN used to place the freeze, I entered the requested data on the Security Freeze section of the Experian website. I then received a system-generated reply that my request can not be executed online. Instead, I am instructed to compile a long list of sensitive, personally identifiable information XXXX XXXX XXXX and an address to which this data is to be mailed via the Postal Service. 


When the freeze was initially executed, I completed the request online and was informed that removing freezes were easily done online and would be executed immediately or within an hour of request. Now, trying to temporarily lift the freeze required to complete a personal finance transaction, I am met with a lengthy process requiring the surrender of multiple sources of PII. 


As an additional step and final attempt, I executed the " forgot PIN ' XXXX even though I did possess it ). This required that I successfully answer a series of questions drawn from my Experian data record ( e.g. where various loans were held, towns and addresses lived at, etc ... ). This validation was successful as it returned on the screen the PIN that I used to initially establish the freeze. I was successfully validated within Experian 's online system! It still however will NOT allow me to lift the freeze online! 

Individuals possessing PINs and who can correctly provide the requested validating information on the Experian website should be able to immediately request and receive temporary lifts of security freezes. I should be able to enact personal finance transactions immediately when they are desired rather than having to complete a lengthy process on Experian 's schedule and providing substantial amounts of personally identifiable information ( PII ) when I have been authenticated on the website.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I Received a letter from a debt collector claiming I owe a debt to them. Company Name : Portfolio Recovery Associates, LLC. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. XXXX XXXX  in which they informed me in writing that the debt was SOLD to Portfolio Recovery Associates, LLC.
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. (SC)

XXXX XXXX is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be removed in 4 days.

15usc1681a-4 privacy obligation not kept.

15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive have express concerns In the past with Experian about their reporting, I reviewed my payment history with Experian for my XXXX account. Not only is my account open and active but there reporting me delinquent in 2019 when I was never late on my account. This has drastically affects on my payment history. Ive attached a report that clearly shows that I wasnt late during that time. Not to mention there showing a date of last payment in XX/XX/2019. But payment grid in the picture shows XXXX which once again I wasnt late!!! And this account is open and active they have a duty as an agency to ensure account. Reports accurately
Consumer complaint received 2020-03-12
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. (TX)

information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}
Consumer complaint received 2020-03-12
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. (MD)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX/XXXX  ; XXXX/XXXX XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX  ; XXXX/XXXX  XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be removed in 4 days.

15usc1681a-4 privacy obligation not kept.

15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I have called numerous times about unauthorized inquiries and to get the removed. I also found that my information was shared in the XXXX EQUIFAX DATA BREACH. The account referenced is as below. 

Equifax XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I obtained an FHA home loan from XXXX XXXX in XXXX loan # XXXX. Recently, the tax value was assessed to be {$320000.00}, the value due on the home is {$250000.00} which would indicate that more than 20 % of the home loan has been paid off. I called bank of America XX/XX/XXXX and spoke with a home loan specialist to ask if my PMI could be removed. She indicated that she thought that it could be removed, and that she was able to send a request to remove the PMI which was a good sign. She stated that I would receive a letter with the decision to remove PMI within 10 days. After 10 days had passed, with no letter provided, I called and spoke to another home loan specialist who stated that the loans PMI could never be removed for the life of the loan. The loan officer never informed me of this, instead he stated that at 20 % of the loan paid, PMI could be removed, as I would be able to call and request this. I asked to speak with a manager for further explanation, however after speaking with XXXX for over 1 hour, I was given no explanation because XXXX stated that he did not understand the process and could only read me the letter stating that the PMI could not be removed. I waited for over 1 hour to speak with a manager, however no manager was available. My complaints are : 1. I was told by my loan officer and the first home loan specialist that the PMI could be removed. Had I been told by my loan officer that this could not happen, for the life of the loan, I would not have selected this loan. 2. In politely and patiently contacting Bank of America repeatedly for assistance in understanding the PMI, I was told that no one was available to explain the loan.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DIRECMANAGEMENT, INC. (AL)

On or around XX/XX/2021, I disputed an account with the credit bureau about Direct Management. The account I disputed was about an overdraft that happened at XXXX XXXX. I have disputed this account 2 or 3 times and every time, they say its verified. I told them that I wasn't aware of the overdraft that took place, but they refuse to do a full investigation for identity theft. The only thing they send is where I had opened a bank account up, but do not investigate the disputed account
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

Dept of Ed Navient for XXXX account number XXXX XXXX  XXXX XXXX XXXX XXXX pa XXXX This is XXXX XXXX making a complaint against The department of Navient. Over the last couple of years I have called navient over and over again asking them to look into and remove this account noted above. I have stated that this is not my account. I have a loan with them from XXXX University and XXXX University I'm not disputing that, but I am disputing this one account that they can't tell me anything about other than it came from a company called XXXX XXXX. Upon talking to them on XX/XX/XXXX I was told that there was nothing that they could do for me to call XXXX. From there I was told to make a complaint and they will go from there. I proceeded to state to tthe young lady on the phone that navient also tried to send me a letter after all conversation on the XXXX of XX/XX/2020 stating that I requested a name change and to fill out and return. This was not the case I never asked for a name change. I asked them to remove an item that was not mine as they had done on XXXX  but yet it still remained on XXXX  and XXXX. Now, they removed this last year so I'm thinking that everything is fine until I went to pull my credit again this month and to my surprise it's still there. What they tired to do after speaking to me was trying to do is make me responsible for this account by asking me to put in a name change. I have also was written them letters stating that this was not my account last year around XXXX. I've also complained about this account on numerous occasions years before and it still shows up on my credit report and in there system. At one point they took it off of my XXXX   and when I saw it came off I ask them if they could take it off all 3 reports reflecting what was on XXXX. This item is stopping me from moving forward on buying a home and I like for navient to remove this item from my credit report as well as their system leaving me only on them for XXXX and XXXX University. buy them trying to get me to do a name change is deceitful and I feel like they were trying to call me into being responsible for this loan they got from XXXX XXXX. and I've also noticed when I open up my account with them they have me under another name The name is XXXX this is not me.
Consumer complaint received 2024-02-24
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. (WV)

This creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy. 15 usc 1681 section 6 o 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

It is unfair that you can't make a payment only towards to the principal especially when you're enrolled in auto pay. I spoke with a supervisor named XXXX and she stated that the only way I can have my payment to be applied to the principal is if I make a payment the same day my autopay is drafted. I feel that this company wants you to owe them forever. No one can explain things. Its horrible, I wish I can switch to another financial company.
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

In accordance with the Fair Credit Reporting Act Affirm Inc account # XXXX, 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 an account without my written instructions.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION (CO)

On XX/XX/2020 I received a welcome letter from Alliant for opening both a checking and savings account on XX/XX/2020. I phoned Alliant on XX/XX/XXXX about this notice because I did not open either of these accounts. The person I spoke with confirmed that someone had opened these accounts in my name with my accurate date of birth and social. While no money was deposited into the checking account, {$5.00} was deposited into the savings account. The 10-digit member account number for this account is : XXXX. When I told her that I had not opened either of these accounts, she forwarded me to their fraud department where I reported the incident. I asked that both these accounts be closed. I later reported this as fraud to XXXX  I am following the instructions of their fraud department in reporting this to you now.