davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (OH)

I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2024-02-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LoanCare, LLC (GA)

On XX/XX/XXXX, I received a correspondence from XXXX and XXXX XXXX XXXX requesting I sign the documents dated XXXX. No signature was on the letter stating that loancare attempted to contact me. I have no correspondence from loancare other than my taxation notice. I contacted XXXX XXXX and left a voicemail at XXXX. 

Why are they requesting a signature on dated information that loancare stated to your office was resolved?
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX A Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

I took out a payday loan with Ace Cash Express located at XXXX XXXX XXXX in XXXX, XXXX  XXXX. I have a payment plan to repay this loan. On XX/XX/ I paid the XXXX payment of this repayment agreement online on the company 's website. I authorized the payment of {$100.00} which was due on XX/XX/. On XX/XX/XXXX  after checking my bank account, I see that Ace Cash Express took another unauthorized payment of {$200.00} from my bank account. I did not authorize this payment. I immediately contacted customer service and the store 's manager. This unauthorized payment has overdrawn my bank account. This company owes me money to fix the overages to my account. I have hospital bills that are set up on autopay from my account and now overdraft fees have been accessed because of this transaction taking the money which was for those hospital bills. This is fraud and theft. The XXXX XXXX for this company is in no hurry to fix this problem, all she gives are excuses and refuses to return phone calls promptly.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was purchasing a set of tickets for an event and the woman took my XXXX and never gave me the tickets - PayPal refused to cover the fraud. They said they can not cover the funds even though I used my secured account. I have the XXXX posts and a copy of the
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX Account Number XXXX XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (OH)

I need help from the CFPB for the following reasons : Innovis Credit Reporting agency is willfully noncompliance of the Final Rule because they're refusing after accepting my Human Trafficking determination from a non- governmental agency also submitted a self-attestation statement, my ID, social security card, bank statement and a signed or certified by a federal, state, or tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. I can't be approved for a place to live because there are items that are the result of XXXX XXXX on my report. Therefore, I am homeless. I don't want this complaint closed until these items are blocked again on my Innovis credit report.
Consumer complaint received 2023-01-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX BANK 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 a account without my written instructions
Consumer complaint received 2020-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WV)

Ive been trying to figure out my escrow account with my mortgage compnay an i called them today XX/XX/2020. I was informed that its empty, actually XXXX  negative. An that they would get back with answers on XXXX of XX/XX/2020. I went through this with them before an cfpb had to get involved. This is why i am not waiting till the XXXX of thia month. I paid XXXX all of last year for a total. XXXX. Plus ive paid four months at XXXX of this year for total of XXXX. I pay XXXX a year tax, XXXX home insurance and XXXX flood. I spoke to my mortgage company around XXXX first about switching my flood bc they hadn't recieved the information where i switched to the cheaper XXXX a year from the more expensive XXXX a year. I asked them if id get it back, the difference and they said yes. An when i called today on XX/XX/2020 they said it was negative XXXX and they would look into it. I know what i pay in and what payments go out. Can not be empty.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: National Credit Adjusters, LLC (WI)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2020-01-02
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom this may concern, I wanted to reach out in regards to the following accounts : Department of XXXX XXXX These accounts are reporting inaccurately and violating my XXXX rights as I am entitled to accounts on my report being accurate and verified. XXXX has removed these accounts because they were unable to properly verify it. { Please see attached file } XXXX confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Please send proof that these accounts have been properly verified or remove these accounts from my reports immediately. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-04-06
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. (NC)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX 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, TX XXXX XXXX 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 Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX 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
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending this complaint to dispute and request the correction of inaccurate information found on my credit report. Upon reviewing a copy of my credit report obtained from your agency, I observed an erroneous late account entry that is adversely affecting my credit score. 

XXXX XXXX XXXX 

I wish to highlight that this late account entry is inaccurate, and I firmly believe it violates the Fair Credit Reporting Act ( FCRA ). I have already contacted the other credit bureaus- XXXX and XXXX - regarding this issue, and they promptly updated their reports to reflect the accurate information. 

The account in question has been fully paid off, and there is no remaining balance, as evidenced by the documentation and records provided. Despite my attempts to rectify this error, it appears that your agency has not complied with the law by persisting to report this inaccurate information. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the correction has been implemented and the accurate information has been updated on my credit report.
Consumer complaint received 2023-01-06
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: Shellpoint Partners, LLC (CA)

We were unfairly reported as delinquent on our mortgage in XX/XX/XXXX. The delinquent payment was a result of technical issues with Shellpoint 's automated payment systems. Finally on XX/XX/XXXX, Shellpoint sent an apology letter to us acknowledging the technical glitches we experienced with their systems and stating that they would send an XXXX XXXX XXXX form ( AUD ) to the credit bureaus altering the report for XX/XX/XXXX from Delinquent to " No Data. '' Shellpoint had instructed us that we could follow up directly with the credit bureaus to ensure the AUD was accounted for. This information can be seen on XXXX XXXX of the attached apology letter sent to us. Around XX/XX/XXXX, XXXX days after the date of Shellpoint 's apology letter, I followed up directly with all the credit bureaus as instructed by Shellpoint and all the credit bureaus had in fact received and processed the AUD from Shellpoint as promised and all our credit reports were at that time reporting as " No Data '' for XX/XX/XXXX as expected. 

I thought this was the end of this saga, but at the end of XX/XX/XXXX, I noticed once again that all the credit bureaus were again reflecting XX/XX/XXXX as delinquent. I inquired with XXXX and was told that Shellpoint sent another update again reporting XX/XX/XXXX as delinquent AFTER the AUD in XXXX and this is why my credit report was once again showing the delinquency. It serves no purpose for me to follow up with the credit bureaus yet again about this if Shellpoint is going to come behind me each time and again report us delinquent for XX/XX/XXXX once the credit bureaus have already processed any AUD. 

I am offended that an apology and update was sent out to us by Shellpoint and yet once again I am back to square XXXX many months after the problem originally arose in XX/XX/XXXX. It is now XX/XX/XXXX and I'm back to the drawing board!!
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is my understanding that FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts appear to be inaccurately reported.
Consumer complaint received 2022-02-25
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. (GA)

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, Equifax, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, XXXX Equifax on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my XXXX and Equifax need to be removed. XXXX, XXXX, & Equifax are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, XXXX, or Equifax any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, Equifax, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, XXXX, or Equifax supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Please send me proof the I requested the alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

EXPERIAN has me paying {$24.00} to monitor and give updates on my credit only 9 times out 10 when your alerted of some sort of activity concerning my credit report theres nothing ever truly there to speak of. I have had 2 incidents where someone tried to use my name to open business accounts. When I asked who what when where these things were these things were occurring they could only show me at what bank this occurred at. If someone is trying to open an account anymore would want to know who did the transaction, what city and state and what location. They could offer none of the above so what am I paying for? I consistently get alerts that lead to nowhere. I could give you 20 incidents of nonsense but I would be here all day. This site wont allow me to check multiple infraction boxes.