davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX, Equifax and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Consumer complaint received 2021-06-17
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. (GA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-03-18
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. (GA)

In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from XXXX stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both XXXX  and Experian. This time I sent a follow suite letter attaching the deleted account from the XXXX record to both XXXX and experian.I received a response on XX/XX/2019 from both XXXX and Experian that the account was updated and verified. Again, no documentation on how this account was verified. Experian sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (CA)

I bought a charge card some months ago, after about a week or so ago. I tried putting money on the card and now I can not load money into the card and NetSpend is hanging up on me everytime I call. I can not receive the money I got from XXXX  XXXX because NetSpend refuses to answer my calls or return my money from XXXX XXXX? Is there anything I can do or just take them to Court?
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I would like to dispute a collection account with credence resource management. They claim I owe a {$1000.00} debt to a company named XXXX, for an account that originated in Michigan. I live in California. I have lived in California my entire life, 40 years. I have never been to Michigan, I know 0 people in Michigan.

1- I have never had an account with XXXX. I called XXXX, and they have 0 history of my ordering service. 
2- Your collection company told me the original account was located in Michigan . I have never been to Michigan. I live in California. 
3- I have contacted XXXX  , XXXX  and XXXX.

4- I have contacted a lawyer and given her all of your companies information. 
5- I am seeking other forms of legal aid and will not stop until this is resolved. 

THIS COLLECTION IS FRAUDULENT AND I WILL NOT STOP UNTIL THIS PROBLEM IS RESOLVED!!! 

XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00}
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

CAINE & WEINER COMPANY INC is the collection agency, XXXX  INSURANCE is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. 

When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX ( rep ) that I am disputing the debt. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs.

The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible.

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.
Consumer complaint received 2021-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Financial Inc. (MA)

Hi Self ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credence Resource Management, LLC (TX)

Have tried to reach out to collection company XX/XX/2020 involved was told even after debt had been collected and paid that they would NOT delete the but would only be able to make a statement saying that the matter is no longer an issue. Customer service rep said he would email me a letter stating this but no letter has been received.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a call from a XXXX area number that said he was from Huntington National Bank and that I needed to go into my nearest branch. So I phoned the customer service number because I am in XXXX  due to the XXXX  XXXX. The phone banker said my account was locked out but did not say why. 
After telling her my story that I have been advised to stay XXXX  due to the XXXX  XXXX XXXX she came back on the phone and said she was " Wrong '' that my account was not locked out, the phone call was just to tell me the XXXX XXXX XXXX branch would be closing. 
I come to find out later while I am doing my taxes that indeed, my account is frozen. 
I have tried calling several times, and just keep getting the same story that I need to go to the bank, even though I would be putting my life in jeopardy.
Consumer complaint received 2021-06-17
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: TRANSWORLD SYSTEMS INC (GA)

Here we go again. Every 2-3 months my credit file is incorrect, wrong, and screwed-up. XXXX  permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against XXXX. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and Transworld System Inc. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! XXXX  will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by XXXX  in broad daylight. Please help. Sadly!!
Consumer complaint received 2020-03-18
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. (FL)

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX Experian XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX Experian XXXX  XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  Experian   XXXX   XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  Experian XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Experian XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/2018 XXXX  XXXX XXXX XXXX  XX/XX/2018
Consumer complaint received 2019-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

Im currently behind by a few mortgage payments due to being scammed by my former tenants. It was not my intent to rent-to-own my home but to sell it. However, my former realtor did not exercise my rights or represent me with integrity and acted unethically. As a result he placed a couple whom I empathized with due to their incapabilities of purchasing a property due to their financial difficulties in my property. He misled them into believing theyd paid in advanced so they werent paying me accordingly, then began paying me late, and then stopped paying their rent entirely. At the time of their occupancy of my property I was residing at the apartment complex where I work and had become responsible for both my rent and my former tenants. I requested a substantial loan amounting in {$16000.00} to avoid my credit being ruined due to their irresponsible actions as I also intended on evicting the couple from my property. Unfortunately, for my family and I my former realtor refused to assist me with the filing of forms necessary to evict the couple from my home so I persisted with hiring an attorney whom supposedly specialized in real estate/landlord-tenant matters only for her to take my money and not help me fill the form correctly. The end result was me taking a major financial loss due to what my former tenants attorney depicted as an erroneous filing of a form although my former tenants had in fact scammed me out of several thousands of dollars and was granted the ability to continue to occupy my property at my expense while my family and I had no where to live. Ultimately, when the tenants vacated my premises in which was after the scheduled time frame they were set to leave they completely destroyed and damaged my property past the point of it being habitable. They broke a window and lied and said they didnt, they soiled the newly installed carpets from pets they had concealed at the time, and they left a window unit in the master to which was leaking profusely and caused mold damage which infested the master in its entirety. Also, I believe they were fiddling with the pipes as my former tenant stated he and his father in law would be handling many of the repairs that needed attention at the property due to his said handy ways which led to bolts/nuts on the piping apparently being loosened as I discovered after having to remove the wall in the laundry area exposing significant water damage and mold. Essentially, I not only loss a lot of money from the breaching of the rental agreement, but I now have multiple hits on my credit report, and I have loss my wife and children whom can not occupy the property with me due to its conditions, and I have now been subjected to an even bigger problem of having to repay the loan I took out to evict the tenants therefore I can not necessarily to improve the quality of my life or my family.
Consumer complaint received 2021-06-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out to Transunion ( TU ) over 25 times regarding this matter each time being hung up on or transferred into dead air.

I have asked that TU follow the guidelines of the FCRA.

I have reported REPEATED VIOLATIONS of the FCRA to the company as well.

The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved.

When i asked TU who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that TU is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for TU to furnish a report - i am hung up on.

Section 604 ( a ) ( 2 ) alongside other pieces of the FCRA identify that a consumer written consent is needed for a credit reporting agency to furnish a report.

According to the CFPB and the FCRA Transunion needs to have my written authorization which gives instruction or permission to furnish a report on myself.

I have asked TU to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that TU delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.
Consumer complaint received 2020-03-18
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. (FL)

Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX  XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX   Equifax XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE XXXX {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX Equifax XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX XXXX  XXXX   Equifax XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX XXXX  XXXX  Equifax XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX   XXXX XXXX XXXX Finance Reseller XX/XX/2018 XXXX XXXX XXXX Finance/Personal XX/XX/2018 Equifax XXXX XXXX XXXX XX/XX/2018 XXXX  XXXX XXXXXXXX XXXX XXXX  Credit Cards XX/XX/2018 XXXX XXXX XXXX XXXX  XX/XX/2018
Consumer complaint received 2021-06-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

The company is using discriminatory and fraudulent methods to close all sorts of loans. They are forging documents, specifically pay stubs and w2s, and more to get unethical closings. They are also actively discriminating against FHA & VA loan applicants by icing them out. They are training associates to not respond and to make things more difficult for loans that do not make a certain amount of commissions.
Consumer complaint received 2021-06-17
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: Credit Service, Inc (OK)

Official Dispute This document shall serve as an official dispute towards Credit Services and the original creditor of XXXX XXXX XXXX XXXX XXXX in the amount of {$710.00}. Attached document A is an itemized report from Pro XXXX XXXX that illustrates a charge a {$470.00} for rent in the month of XX/XX/2020. Support document B illustrates new utility service that was started at a different address which proves that the residential home in question was vacated prior to the month of XXXX. Therefore for the {$470.00} rent charged for the month of XXXX and the {$50.00} late charge is invalid. Support document C is inspection from a third party winter weatherization company. Upon inspection they noted mold in the apartment. The mold attributed to the charge of {$170.00} and the {$140.00} charge put for trash out and carpet cleaning. The mold was due to a failure to repair a leaking AC unit. It was reported to the property manager several times that the AC unit was leaking after each use. The leaky AC unit, costly heating & cooling bills, mold, and with the combination of management team refusing to repair and replace these issues caused the vacation other unit. I have supplied enough evidence to at the very least to illustrate the charges are incorrect and to go further to eliminate these charges altogether. I am not responsible for this debt I request a full investigation and want this item remove from the all credit reporting agencies..