davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (IL)

I have been in contact with Equifax for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. Equifax has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXXXXXX- # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue Equifax for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/XXXX, I refinance my vehicle, my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX ( XXXX Ex XXXX ) called Credit Acceptance ( XXXX XXXX XXXX, XXXX, MI ( XXXX ) and ask what was my pay off and they indicated {$13000.00}, my bank send them a check in full amount. I got sick with XXXX in XXXX, and until I got well I was able to pick up my mail, that when I discovered that Credit Acceptance was saying I still owed them money. I called they indicated I has not cancel my warranty ( {$2000.00} ) on time and that I would owe them money. I cancel the warranty on XX/XX/XXXX when I spoke to them. They then indicated they would need to call me and tell me how much more I owed them. I called them they indicated {$550.00}, this amount was owed becuase I didnt cancel the warranty. I tired to payed them its been rough with money so I didnt call them. My bank called them today, XX/XX/XXXX they indicated I owed them {$3300.00}. I called them they asked for a settlement. They are now saying my account never closed, its still active and that I owe them {$8900.00}. I dont understand why I owe them this amount if they told my bank i owed them {$13000.00} in XX/XX/XXXX and they paid of my account with them. There information was misleading not only to me but to my bank. Im now stuck with still owing them and im paying my truck to my bank.
Consumer complaint received 2021-12-30
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: V and H Portfolio (TX)

Company name : VANCE & HUFFMAN LLC Im seeing two dates of : XX/XX/2021 & XX/XX/2021 In the balance of : {$920.00} I received an alert of this collection today XX/XX/2021 & quickly disputed because this is completely fraud & unfair! 
This company has reported to collections and decreased my credit score over XXXX points! I have absolutely no idea what this is & its definitely not from me. Please help!
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I was sent texts from someone stating they were from XXXX XXXX XXXX and I was to pay {$220.00} for xrays I received. I thought it was a mistake and ignored the first text. I responded to the second text instructing them to bill my medical insurance. Yesterday, I received a letter from CMRE Financial Services saying that they are a collection agency and I owe {$220.00}. I confirmed with the XXXX radiology groups in my county that I have no outstanding bills. I have EOBs from both of my insurance companies where they paid for the last two times I had xrays. XXXX XXXX XXXX XXXX said I had n't been to them since 2011 and they had no outstanding bills for me. All three companies said they would NEVER text me. I have not contacted CMRE Financial Services because I 'm not sure what the consequences would be if I did.
Consumer complaint received 2023-02-21
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. (NY)

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 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 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

My ex wife takes my kid to the doctor. Uses my insurance card but puts her name, address on the admission paperwork - guarantees the payment. The hospital send her countless bills which she throws in garage. Mean will I know nothing of this. Then, the hospital uses the insurance information and puts me in collection. I did not sign the guarantee rather I provided the insurance. There is no linkage between guaranteeing fees and using the insurance rather the person that signs guarantees the fee. The hospital sent it to collection before I knew about any of this. So, the hospital has no further interest in it and wo n't discuss it with me. I wrote to XXXX and complained and never heard back. Now XXXX has started showing these derogatory remarks. I want them removed yet they wont remove them.
Consumer complaint received 2021-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Dates : unknown Amounts : unknown Actions Taken : There have been numerous attempts to contact the company to inform them that this was a result of identity theft and the account ( s ) does not belong to me. My identity was stolen and an Identity Theft report was filed the appropriate authorities. The other companies included in the ID theft have all removed the fraudulent accounts, with the exception of this company. I have tried time and time again to discuss with them to find out what needs to be done to get this resolved. However, even after repeated attempts they have not ceased attempts to collect the debt or offered information as to how we can resolve the issue by showing further proof of the ID theft. The same letter ( which will be attached ) from the company has been received multiple times that states not details of the account or information that could be refuted. It is simply a generic letter without account info or even a valid extension for the proper individual to be reached who is handling the fraud claim. Ultimately, every call has essentially ended with the same inability to resolve the issue or even offer the appropriate steps to take in order to get resolution. The first rep said they could help, and that " normally '' they could resolve it without a problem, but that their system was down for the day and asked me to call back in a couple days later. After a few days, the next rep said they would try to resubmit the fraud claim ( even though the first rep advised NOT to do this because they said it would not actually resolve the issue ) - after they resubmitted the claim another identical letter was mailed out without a valid extension or any further info. After this letter was received another phone call was made to the company and this rep apologized that they had not correctly addressed the issue and had simply " resubmitted '' a claim that did not need to be done - however, they said they could not help either and asked me to call back later to ask for another department. After calling back and getting into contact with the " other department '' they too were unable to help and stated the the individual overseeing this fraudulent account was unable to be reached and did not have a valid extension - the rep could offer no explanation or guidance on what to do to resolve the issue.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have paid my balance in full with Kohls in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.
Consumer complaint received 2023-01-15
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2021-12-30
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. (VA)

Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( Transunion ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Consumer complaint received 2022-11-12
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. (GA)

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. 

1 ) 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 an 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 2021-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

I pay my homeowners insurance through my escrow account with NewRez LLC. My insurance payment is due in XXXX of every year. Last year in XXXX, I received a notice of cancellation for my homeowners policy due to non-payment. I contacted NewRez LLC and they admitted that the payment was never sent out. They overnighted a payment and my policy was reinstated. 

Today, XX/XX/XXXX, I received a call from my insurance company again letting me know that my policy was cancelled due to non payment. So I called NewRez and they again admitted to not preparing a payment to be sent out. They agreed to overnight another payment to my insurance company to ensure my policy was reinstated.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (KY)

Someone did a transfer on my Western Union account and I was not told nor did I authorize this transaction. As I have been experiencing identity theft for the past couple of years, I did not see this activity until recently when my sister sent me money via western Union. I contacted them and they said there was nothing they could do as it had been too long and hung up on me.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I applied for a loan with Better Mortgage. However, due to their process, communication and lack of understanding of the loan transaction, I withdrew my application on XX/XX/XXXX requesting my {$550.00} appraisal refund. After asking about it several times and being told on XX/XX/XXXX it was in the works, I still have not received a refund. 

I never received loan disclosures except for a few on-line ones. There are many I never signed as well. 

Please help by asking them to send my appraisal refund to me.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NC)

This title loan is a predatory loan that I received while in financial distress. The loan is an interest bearing loan, where almost 90 % of my monthly payment goes to interest and only {$28.00} per month goes to the principal. My monthly payment is : {$270.00}. I lost my job due to COVID-19 related issues and I reached out to One Main Financial to utilize the unemployment insurance that they offered and I paid for monthly with my monthly payment. I was told I would have to go the unemployment office and get them to sign a form to submit to One Main Financial and also the employer I separated from would have to sign a form as well. All unemployment offices are closed to the public in North Carolina due to COVID-19. I feel as though they will not help me during my financial hardship. At this time I do not have any resources to continue to pay my loan. I called One Main on XX/XX/21 to discuss my financial issues and I was offered a two month deferment for {$140.00} per month which I can't afford to continue to pay.