davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22, XXXX XXXX added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( XXXX XXXX  ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to 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 NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC
Consumer complaint received 2020-06-19
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. (CA)

Second dispute with Transunion Current File File Number XXXX Report DateXX/XX/2020 Name : XXXX XXXX XXXX . Received an email today from Trans Union. Dear XXXX, We have completed our investigation of information contained in your TransUnion credit report. You may now view the results online by logging into your account at : https : //dispute.transunion.com You have until XX/XX/XXXX to view the results online. Please log on before your account expires. 
TransUnion is committed to helping consumers make the most of their credit. If you have any additional questions or concerns, please contact TransUnion at the address below. When contacting our office, please provide your current file number XXXX. TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Thank you. TransUnion Consumer Relations They are still reporting inaccurate information for my XXXX XXXX XXXX. This was paid off in full last month in XX/XX/XXXX. The balance is from XX/XX/XXXX. I am getting ready to file a third complaint with Trans Union and 2nd one with you. see attachments. Please please help me.
Consumer complaint received 2022-11-09
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: Prosper Marketplace, Inc. (NJ)

I paid XXXX on my prosper account XX/XX/2022. The payment was on time. I sent a statement confirming I paid the XXXX which Prosper also confirmed on the statement but didnt report to the credit bureaus. This is fraud and they did not acknowledge my payment. This is discrimination and if the person was white this wouldve happened.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rapid Auto Loans LLC (FL)

XXXX XXXX obtained a title loan from Rapid Auto Loans and paid the debt in full on XX/XX/2022. Rapid Auto Loans has confirmed on each occasion she has contacted them, that the debt has been paid in full. Despite her payment in full, this debt is still a lien on the title to her vehicle. This is causing many difficulties including increased transportation expenses directly as a result of XXXX XXXX delay.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (OH)

I reported to you XXXX XXXX for incorrect information on my credit report. They fixed it on my XXXX and XXXX but not my XXXX. XXXX sent me a letter saying they fixed the issue and I have that letter but its not fixed on my XXXX report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am not Liable for this debt of {XXXX with PORTFOLIO RECOV ASSOC account number XXXX I do not have a contract with PORTFOLIO RECOV ASSOC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

15 U.S.C 1681
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act, I request that you promptly remove these unauthorized inquiries from my credit report. 
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 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 2020-10-01
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)

THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE TO ME.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MA)

Our mortgage has been with XXXX  XXXX XXXX. During Covid ( my now estranged husband ) placed forbearances on our mortgage because his work is primarily commission-based. There have been multiple forbearances and while his understanding was that they would move to the end of the mortgage, a lump sum was expected to bring the loan current. He was allowed to begin the forbearance process even though we are both on the deed. This was for mortgage and HELOC. All ended in XXXX of XXXX. I brought the HELOC current myself, by making all of the past-due payments. I was not able to do this for the mortgage, given the amounts. I live in the home with my XXXX children and my youngest is in a special program at XXXX XXXX XXXX. I hoped to stay in the house just until the kids finished XXXX. We did not receive child support for a year, then $ XXXX, until we finally got a judge in our case- we now receive support, though no other help. I have the kids 100 % of the time, I work full-time as an Assistant XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My estranged husband lives for free in multiple-family homes ( no mortgage in his name, no cost ), and I have worked diligently with the bank to stay in good standing. The judge in our divorce case determined it would be detrimental for my kids to move and that my husband had to cooperate with the loan modification process. I worked hard on this, and while in the mod process, XXXX allowed me to keep making monthly payments. My credit score is in the XXXX and my only other debt is a monthly car payment ( {$370.00} ). In XXXX of XXXX, XXXX  XXXX XXXX sold our loan to Selene Finance, a predatory company that said they offer modification plans too, to keep people in their homes, that they had all of XXXX 's info, and that I would have to start the mod process again with them I did all as told, submitted everything, but they would not allow me to make monthly payments during the mod review, making me even more behind in payments, and increasing the amount owed up from to {$63000.00} ( including penalties? ). They denied my modification saying I don't have enough income, then saying we made too much to qualify?? I XXXX XXXX an appeal letter on XXXX to be received on XXXX, yet they told me they denied my appeal on XXXX! They are destroying my ability to pay, stay in good standing with the bank and credit agencies, and will force me and kids from my home, and if my credit is ruined, I won't be able to get anything. I an terrified and angry at these allowed, yet clearly predatory practices that set people up to fail. Look them up on XXXX. I need help addressing this.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX sold an item online ; she received payment by check on XX/XX/XXXX. The check was for more than the item she sold ( {$1900.00} and the item sold was for {$660.00} ). 

On XX/XX/XXXX XXXX sent via the XXXX app ( from within the Bank of America app ) the sender {$1300.00} ( XXXX XXXX ). 

Later that day Bank of America reversed the deposit ; a claim was filed with B of A ; B of A claims the transaction was valid on their end and XXXX is not their responsibility. 

B of A has the information of the recipients bank account but will not release this. A police report has been filed as well. 

B of A takes no responsibility for the XXXX platform used on their App.
Consumer complaint received 2020-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Fedloan stated that they processed my refund for my student loans, but I have yet to receive a refund after 3 months. I followed up with them many times. I also recently learned they switched my servicer to XXXX and I will have to start the process all over again, delaying the process and causing me to possibly pay interest on loans that were already paid off and requested to be refunded due to the new forgiveness program.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA. 

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus XXXX, XXXX and Experian in XXXX. After their investigation these items were removed from their reports. The creditors XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.
Consumer complaint received 2021-05-30
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. (IL)

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : XXXX. This is a duplicate account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have used XXXX XXXX since 2013 and never had any problems recently the contacted me by email to tell me my Transunion score had dropped 10 points in the last 30 days. 
that for me was a red flag since I had not done anything in the last 30 days to warrant such a drastic drop due to covid19. Nothing had changed and I have been paying my bills regularly. I called them to find out if there was suspicious activity or Fraud the representative stated no all your payments are on time and no inquiries this year but she could not tell my why there was such a discrepancy from the other 2 Credit reporting agencies. They were reporting a score of XXXX but Transunion had dropped from XXXX to XXXX in 30 days for no apparent reason. I was truly infuriated with them. She tried to blame XXXX XXXX saying they may not be reporting it correctly and said I could pull my report from their website to see my score. She also said it was a free report. So I did. And there was nothing on my report that had changed from any previous year only de bt being paid off which is a good thing for your score. however what did happen is I read that Transunion had purchased an identity theft security company and everytime I tried to get my score because it was not on my report it would make me sign up for this service at a rate of XXXX per month. I called several times with no help. I then mentioned that I had seen information on my report from a bankruptcy that was included and that it was against the law to do that.The rep stated that everytime I dispute incorrect information on my report that it will affect my SCORE and it could go down? WHAT? that is what we are suppose to do is check our information WHY would disputing that information make our score go down? 

I believe TRANSunion is purposely manipulating scores so that when you check on it by downloading your report to see your scores they make you sign up for their protection service monthly..Everywhere I clicked to try to get my score it never told me it was XXXX or let me sign up for a one time XXXX score report. It never gave me my score for free and it always forced me to sign up for the XXXX and it never told me how much I was paying in the end either. I had to go into my profile after the sign up to see how much I had paid for my score and it was monthly XXXX for the whole service. I then had to call them back to cancel and in the end realized that XXXX XXXX was accurate and the score had dropped by 10 points to XXXX for no reason. This is a scam on the part of TRAN
Consumer complaint received 2023-01-07
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC (AZ)

On XX/XX/XXXX I noticed there was an account on my credit report that had missed payments. I did not open this account. I called XXXX and opened up a dispute stating that this debt is not mine because I did not open the account. The account was under a company called CURACAO, which I have never shopped with before. 

I have never opened a line of credit with CURACAO. After submitting my dispute with CURACAO, I called the company to see if they could assist. They were unable to locate any account associated with my name or address. This was alarming given that the account was still filed under my identity. 

The credit report only gave me a partial account number which CURACAO said was not enough to pull up any information regarding the late account. CURACAO stated they would send me a packet of information to fill out and return to them to assist, but they never did. 

Two weeks later, XXXX updated the dispute and stated the account was mine ( as stated by CURACAO ), and dropped my credit score due to late payments. I called XXXX back regarding the dispute, and they stated that I didn't identify the account as identity theft, stating that I only mentioned the account wasn't mine. XXXX advised me to register a report with the FTC regarding identity theft. 

XXXX also stated that there were two accounts opened with CURACAO under my name. They stated one was in good standing, and that the other one listed late payments. Neither of these accounts are mine. I have never opened an account under CURACAO.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/XXXXwho informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with Transunion, the company informed Transunion this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.