davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
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: Security Credit Services, LLC (TX)

On XX/XX/XXXX I sent an email to Security Credit Services , LLC trying to settle a debt that I saw on my credit report for {$660.00}. On XX/XX/XXXX, I got a response from them saying that the debt was sold to another company. I then asked if the debt was sold, why it is still being reported to my credit. She then said that she requested that it be removed back in XX/XX/XXXX, and she will send another one and to give it 30 days for it to be removed from my credit. As of today, XX/XX/XXXX. It is being reported to my credit.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have a collections that was paid off in XX/XX/2022 from XXXX XXXX XXXX  that is still reporting on my XXXX and Equifax credit report with different information and missing information on both credit reporting agencies I have tried to fix this problem with them. they said that they will remove it and it will come off, but still it has not come off, and I would like this information to deleted immediately. Under the fair credit reporting act.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Pay Pal refuse to REINVESTIGATE THE CHARGE of an XXXX ride, I did not request PAYPAL refuse TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE DATE OF RIDE AND CHARGE XX/XX/2020 FOR {$9.00} I FILED A REPEAT DISPUTE ABOUT AN XXXX CHARGE DEMANDING THAT PAYPAL TO REOPEN THE CASE AND REINVESTIGATE THE CHARGE. I ASK THIS NO GOOD PAYPAL COMPANY TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE OF THE RIDE WHO ORDER THE RIDE WHER THE PICK UP AND DROP OFF WAS. THE CALL ALWAYS GET ROUTED TO SOME FOREIGNER CUSTOMER SERVICE AFTER WAITING FOR 3 TO 4 HOURS WAIT TO SPEAK TO A LIVE PERSON. I WARNED THESE PEOPLE WORKING FOR PAYPAL, THAT I DID NOT MAKE ANY XXXX RIDE REQUEST BY ME OR ANY MEMEBR OF MY FAMILY. I DO NOT EVEN HAVE AN XXXX APP, THE LAST TIME I ORDERED A RIDE WITH THEM WAS OVER TWO YEARS AGO. JUST HAVING HAD AN AGREEMENT WITH XXXX IN THE PAST DOES NOT MEAN THIS TRIP WAS REQUESTED BY ME. I NEED ANSWERS WHAT THE XXXX THEY MEAN THERE WAS NO UNAUTHORIZED USE????????? HOW CAN PAL TELL ME THAT WHEN I REPEATEDLY INFORMED THEM I HAD NOT HAD ANY XXXX XXXX REQUEST. THERE WAS A CHARGE ON MY BANK FROM XXXX, AND I DID NOT REQUEST ANY TRIP. PAYPAL RECEIVE TO PROVIDE ME WITH ANY DETAIL RECEIVED FROM XXXX THAT WOULD JUSTIFY THE CHARGE. PAYPAL THINK MY EFFORT TO FIND ANSWERS IS NOT AS IMPORTANT, THIS IS NOT ABOUT GETTING A STUPID REFUND THIS IS ABOUT MY FEAR WHO HAS ACCESS TO MY PAYPAL ACCOUNT. AND PAY PAL SHOWED NO REGARDS ABOUT THIS FOUNDED CONCERN
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background (NY)

Accurate Background, LLC provided a consumer report with my XXXX  information that incorrect causing me to be denied a job. I called and explained to the company that the information they furnished was incorrect and they assured me that the background was fine and everything came back great. I was later emailed a copy of the report that stated my personal license was invalid in the XXXX section which is untrue.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2021-01-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation (CA)

In XXXX of XXXX I was in a auto accident. My finance company at the time was Gold Acceptance. Gold Acceptance never sent out a claims adjuster to look at the vehicle nor did they come to the residence and repo the car. The car was left at the repair shop never to be repaired or repossessed. Since then I have had nothing but trouble from this company in trying to resolve this matter. On my credit report this company is reporting an inaccurate account date and account balance as of XX/XX/XXXX, when this account was charged off in XXXX. Please remove this account off my credit report. I am unable to get a new line of credit, or purchase a new home. This has been hurting my credit score tremendously please help!!!!!
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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.
Consumer complaint received 2021-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (OH)

I received a call today on my cell phone while I was working from a " XXXX XXXX '' from XXXX XXXX in regards to two fraudulent claims attached to my name and SSN and that I have a breach of contract with the intent to harm a financial institution as well as a series of returned checks and that I would have to appear in court on them once it was filed. The debt is for a series of payday loans from Check'n Go through an online loan. I have received no written requests for payment on this debt. This would result in a civil judgement and wage garnishment. He proceeded to leave me a case number ( XXXX ) and a contact number for the " plaintiff ''. When I called the number that was left ( XXXX ), I was directed back to this XXXX XXXX. They tried to confirm my information, and did have my name, the last 4 digits of my SSN and my address, but none of the other information matched mine. I advised the agent that none of this information matched up with me and this wasn't my debt, and the agent said " good luck in your dispute '' and hung up. I was already shaken, but then got a message from my mother about an hour and half later letting me know that they had contacted her and told her they were trying to collect a debt and even confirmed some of my personal information. I was able to call the representative back and advised that none of the information they had on this debt is mine. He said he would file a dispute with his supervisor and hung up. I know contacting family members the way they did is illegal under the Fair Debt Collection Practices Act, 15 USC 1692c. They have provided no documentation on this debt and are threatening to file suit and garnish my wages without attempting to collect through normal means.
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my HSBC account that was closed for no use has XXXX XXXXXXXX XXXX that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXXXXXX XXXX  were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to HSBC they confirmed that that was fraud. I am terrified and I don't know what to do. HSBC staff told me to contact you and share their emails, phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXXXXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX  Account NumberXXXX Account Name : XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC (GA)

XXXX XXXX/REVVI XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. XXXX and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

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. 

XXXXREVVI can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.
Consumer complaint received 2021-01-15
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. (MO)

I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Pennymac made multiple mistakes when creating my refinance documents : 1. Repeatedly failing to remove an unwanted escrow account that increased the amount of the loan 2. Listing a family member who should not be on the loan because they are out of the country for the next several years and were never intended or needed as a signer The refinancing process has now exceeded 75 days, and it is impossible to reach a loan agent by voice after more than a dozen phone calls. 

After repeated failures to correct these mistakes and deliver a new electronic version for us to review, we met with the title agent to sign the closing documents today and had to cancel because mistake # 2 above was still not corrected.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-01-15
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. (CA)

I am writing this because back in XXXX of 2020 I filed disputes with Transunion, XXXX  and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (CA)

I am writing this because back in XX/XX/2020 I filed disputes with XXXX, XXXX  and Equifax. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Consumer complaint received 2023-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (GA)

TD Auto Finance was put on notice and provided an Affidavit of Truth regarding the alleged debt. Today XX/XX/2023 makes two weeks that TD Auto Finance  has received the affidavit of truth as shown in the Exhibit A. An affidavit must be rebutted point for point and they have not provided in the time frame of 14 days.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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 2021-01-15
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. (NC)

I am trying to seek the proper date of first delinquency from the reporting on Experian that i am getting from a recent credit account review. You can also see the attached information. 

What is the date of first delinquency on this account? meaning the day/month/year I become 30 days past due and never again did I bring my account back current on NOT DELINQUENT? 

It is my belief that this account should be deleted right now as it has been over 7 years from the date of first delinquency. Please provided detailed account information through this system. 

XXXX XXXX Acct # XXXX This account is inaccurate, date of first delinquencies ; balance, past due, and charge off date are all incorrect. Inaccurate Balance of {$900.00} is being reported as of last month, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

On XX/XX/XXXX Chime closed my account with no notice or explanation. After many calls I was told my account would be reopened if I sent a picture of my id, social security card and proof of address. This was emailed to chime immediately. I received a response saying my account could not be reopened but a request had been sent to expedite processing of my closure check with the remaining funds. When I emailed several days later for tbd status of this expedited check I received no response. After 4 days of emailing with no response I called and was told no such process exists and multiple reps hung up on me.