davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet utilizing their services.
Consumer complaint received 2023-05-25
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)

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries 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 I didnt give written permission
Consumer complaint received 2020-04-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (WY)

I requested payoff information for my own mortgage on XX/XX/2020. They sent a reply back stating that the request needed to come from my 3rd party title company. So the title company sent it through. They have had plenty of time to process this claim. However I was supposed to close yesterday XXXX. I went in to close and they informed me the mortgage company hadn't sent any information over. So after hours on hold I finally got ahold of some who promised it would be done by the end of the day, so that I could close on my house today. XXXX XXXX still no paperwork. So after calling several times today I finally get ahold of someone who tells me that the paperwork has yet to be started but we should have it by the end of the day today XXXX. However the buyer is in a time crunch as am I to close. The mortgage company refuses to send me any information or give it to me over the phone.
Consumer complaint received 2022-11-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (AL)

Midwest recovery did not send me a letter regarding this with XXXX. This is over 4 years old and they can't try to collect or put it on my credit file and here they did without giving me a chance to dispute it. I don't think its right for them to treat people like this
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NJ)

Today XX/XX/2020 I XXXX XXXX called Exeter finance to try and push some payments towards the back of the loan due to the pandemic currently happening. Without any consideration my bank refused to put payment to the back of the loan and expects me to do payment plans when I dont have a job what so ever and my unemployment date isnt for another 12 weeks. Can someone please help me with this situation.
Consumer complaint received 2020-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via PHH online. On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account AFTER the website told me I could not. I attempted to call PHH to inform them. I was transferred all over for about an only to be disconnected twice. When I messaged them through XXXX I was told there were issues with the website and or the wording of they payment denial issues, and they would have someone from their escalation department call me. I also asked I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. I then sent a check overnight to PHH for my mortgage thinking that would receive the other one back. PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax. 
On XX/XX/XXXX I discovered PHHs online system stored my information and put the transaction through instead of returning the payment as I was promised. I immediately stopped payment on the other check, and now they are harrassing me for it. 

They also claim Im behind on my payments despite repeated proof and they still deny it. They have ruined my credit by reporting late payments i was never late on because of their error. 

They also forged my fathers name on a mortgage document.
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AR)

I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX  Bal {$400.00}, ICS  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Consumer complaint received 2022-02-21
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. (FL)

I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from Equifax XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 DigitalFCU - XXXX XXXX DATA - XX/XX/2021 XXXX - XX/XX/2021 CIS - XX/XX/2021 Here are the inquires from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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. 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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. 

XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Consumer complaint received 2022-11-05
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. (PA)

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.
Consumer complaint received 2020-12-22
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. (TX)

The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.
Consumer complaint received 2022-11-05
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. (PA)

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.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau : I obtained my XXXX, XXXX  and Experian credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, XXXX or Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dear Consumer Financial Protection Bureau : I obtained my Equifax, XXXX  and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2023-07-13
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. (NY)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX customer service representative XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I used vanilla gift card in gas station in XXXX and machine declined the transaction after XXXX minutes the transaction was done and I did by phone dispute and asked to stop the transaction vanilla told me was done I back to gas station to know the transaction was done told me no and back again to vanilla and did another dispute and vanilla told me the time was done with dispute and refused money back XXXX $
Consumer complaint received 2020-04-03
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. (TX)

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 Experian 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 XXXX XXXX, GA XXXX XXXX XXXX : 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
Consumer complaint received 2020-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Please Help! I had a XXXX XXXX loan. I had a deferment during the Recession, for a couple months. My loan was divided into 9 different loans, and was reduced to 2, with American Education Services. The original loan, was about {$38.00}, XXXX. When the loan was sold,! XXXX, XXXX, was added. I have basically paid approx. 435.00 a month, at the interest rate of 6.62 % for 20 years. 
That adds up to approx. {$100000.00}, is what I have PAID in total for 20 YEARS.. 
AES states, I still owe XXXX By their estimation, I have paid nothing. How can the Government allow, this? 
This is OUTRAGEOUS. I have paid in FULL, the original amount, and more, TWO times This loan has been paid. I am asking for it to be considered, PAID IN FULL. 
This is not Forgiveness. I PAID! I am not asking for anything free.
Consumer complaint received 2020-03-25
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: DISCOVER BANK (NY)

I was the victim of Identity Theft. When I was XXXX, and underage, multiple credit card accounts were opened in my name. With time, and lots of patience I have been able to resolve all these fraudulent accounts, and get them removed, as well as stop the fraudulent collection. Discover Credit Cards / Discover Financial Services has knowingly and willfully disregarded all attempts to resolve the fraudulent account opened in my name with them, and in contempt, has decided to fraudulently report a account that they have full knowledge of being opened in my name without authorization. 


They have also countered my dispute with the Credit Reporting Agencies ( XXXX  & XXXX  ) to remove the Identity Theft Reporting Block I AM legally entitled to under Federal Law. In addition, they have made attempts to collect on this debt that I do not owe. 

I am planning on pursuing extensive and substantial punitive damages against the company for their bad faith, and willful disregard for the law through my attorney, but I would also like the CFPB to investigate further. They need to be held accountable.