davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a correspondence from this company  (  Transworld Systems Inc  )  dated  XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As  X/XX/XXXX , this has not happened. On  X/XX/XXXX  I filed a complaint with the CFPB case number  XXXX  and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is  XXXX . They continue to report this item/account to the credit bureau  ( s )  with an account number as  XXXX . On   XXXX   I sent another correspondence to this company, which they received on   XXXX   per  XXXX  tracking. As of  X/XX/XXXX  I have received no reply or correspondence from this company, but they continue to report to the credit bureau  ( s  ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery.      1.  What is the alleged account number  XXXX  or  XXXX ? The company reports with both of these numbers. On the letters received it is listed as  XXXX , but on credit report as  XXXX .    2.  Why is the company using  XXXX  different account numbers? Seems to be unlawful and fraudulent activity.    3.  Can the company provided the original wet ink signature document  ( pr omissory note )?
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I HAVE AN ADJUSTABLE RATE MORTGAGE ( ARM ) THAT RESET ON XX/XX/XXXX. THE LENDER, FIFTH THIRD MORTGAGE ONLY PROVIDED ME WITH A 1 PAGE DOCUMENT STATING THE NEW RATE & MONTHLY PAYMENT. I CONTACTED THEM TWICE REQUESTING ADDITIONAL DOCUMENTATION, SUCH AS AN AMORTIZATION SCHEDULE, AND WAS FIRST TOLD THAT THEY COULD NOT PROVIDE IT. WAS THEN TOLD IT WOULD BE MAILED TO ME ON XX/XX/XXXX & HAVE NEVER RECEIVED IT. 
THE PAYMENT QUOTED ON THEIR DOCUMENT DOESN'T APPEAR TO BE CORRECT. BASED ON THE OUTSTANDING PRINCIPAL BALANCE OF {$81000.00} WITH A RATE OF 2.5 %, THE PAYMENT SHOULD BE CONSIDERABLY LOWER THAN QUOTED ACCORDING TO A STANDARD 30 YR. MORTGAGE CALCULATOR. I AM UNCERTAIN AS TO HOW THEY ARRIVED AT THEIR FIGURES. I ALSO AM UNSURE AS TO HOW & WHETHER MY MONTHLY PAYMENST ARE BEING APPLIED AGAINST THE OUTSTANDING PRINCIPAL BALANCE. 
UNDER THE TRUTH IN LENDING DISCLOSURE ACT THEY ARE REQUIRED TO PROVIDE ME WITH DETAILS OF ALL FINANCE CHARGES, PAYMENT SCHEDULE, TOTAL OF PAYMENTS & ANY OTHER PERTINENT INFORMATION, THEY HAVE NOT. 
THEY ARE IN VIOLATION OF THE TRUTH IN LENDIGN DISCLOSURE ACT & SHOULD PROVIDE ME WITH ALL THE REQUIRED DOCUMENTATION UNDER THE LAW. I SHOULD NOT BE UNAWARE OR UNINFORMED ABOUT HOW MY MORTGAGE WAS CALCULATED OR HOW PAYMENTS ARE BEING APPLIED.
Consumer complaint received 2021-10-22
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-28
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. (TX)

On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (NY)

BS '' D Hi to all I am having the worst bank relationship ever with XXXX/netspend. 
Did two 100 % Legitimate DD 's from payroll but wouldn't give me the bonus claiming that it didn't come as dd even though their computer categorized it as a dd. 
After complaining to XXXX  got the bonus but when trying to transfer to external Account was suddenly blocked as fraud and since then asking me for various documents. I sent them by email and then waiting to be able to transfer money. 
They never sent anything by mail I always had to call them and wait very long time and would get answers by representatives. Now they say that they need a colored copy of the documents. They closed my Account and are holding my money. After long time got a call from corporate office manager saying that my money will only be returned to my payroll account after getting a letter of indemnity from my employer as a another way of harassment and means for holding the money for a longer period. He too is not ready to send any official mail asking for documents but by phone only. 

Thx and b blessed
Consumer complaint received 2023-03-15
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)

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 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, 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.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (CO)

I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB Case # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have Central Portfolio Control-CPC calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX County Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of Today this specific debt was removed from my all 3 of my credit reports.
Consumer complaint received 2024-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (AL)

The company, Loan depot blocked our auto pay because a payment was returned by our bank. We had the banks send a cashier 's check which they sent back. They said it was because it was in the same account ( or something of that nature ). We were not allowed to make a payment online. My wife called to make a payment by phone. Even though the option to make a payment was offered, a customer service representative told her that she could not make a payment because she was not on the account and that they unfortunately do not accept payments over the phone. When asked how we could make a payment, she was told she could not be given that information. This call took place XX/XX/2024 at approximately XXXXXXXX XXXX CST.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that Experian provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure.

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from Experian.

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by Experian. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to Experian and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Trans Union and XXXX are reporting inaccurate info for the same account on my credit report. 

TransUnion- Balance is XXXX XXXX- Balance is XXXX TransUnion- Payment Status is collection/charge off XXXX- Payment is 120 days late TransUnion- Monthly Payment is XXXX XXXX- Monthly Payments is XXXX TransUnion- Last Date Active- XXXX XXXX- Last Day Active XXXX TransUnion- Date Of Last Payment XXXX XXXX- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent TransUnion and XXXX both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account
Consumer complaint received 2024-06-16
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: Financial Assistance Inc (IN)

On or around XX/XX/2024, I discovered that XXXX is continuing to report an account from the XXXX XXXX Financial Assistance Inc, despite this company ceasing its collection activity. On or about XX/XX/2024, Financial Assistance Inc received a cease-and-desist notice from me, instructing them to halt all communication and collection activities regarding the matter. Financial Assistance Inc acknowledged receipt of this notice, stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/2024. XXXX has noted the file accordingly. '' XXXX Financial Assistance Inc submitting a request to XXXX to remove their account from my consumer report, XXXX continues to report this information, violating my rights under the FCRA. According to 15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Consumer complaint received 2021-10-22
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Around XX/XX/XXXX my Best buy account was hacked. ( my best buy credit card linked to my best buy account ) After about XXXX  days they recovery my account. 
After that on XX/XX/XXXX some one bought something for {$850.00} from my best buy credit card.I called to best buy and reported that I don't know this transaction. 
My card was in my possession and did not authorize to use my card.They sent me a new card and removed that amount from my bill. 
Then they sent my case to security operation.They called me and ask me some questions. finally they rebilled it to my account. 
I HAVE POLICE REPORT ALSO.
Consumer complaint received 2024-06-18
Product: Credit reporting 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: EQUIFAX, INC. (NJ)

Made numerous and futile attempts to obtain my credit report and history from Equifax either directly ( phone/site ) and the annual report site XXXX XXXX XXXX and every time I got an error message or was told that my history does not exist. The latest message was on XX/XX/year>, We've experienced an issue processing your request We're sorry, we are unable to process your request at this time. Please call our Customer Care team at XXXXEQUIFAX Mon-Fri XXXX ET and Sat-Sun XXXX ET. Meanwhile I obtained my reports for the other two agencies XXXX and XXXX without problem.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I sent {$10000.00} ( buyout quote amount ) on XX/XX/XXXX with my odometer statement via mail. I called XX/XX/XXXX to check in on the status of the check and title. The check was cashed out on XX/XX/XXXX. I have not received the the title yet but I need it mailed to me immediately because my car insurance and and car registration will expire XX/XX/XXXX.
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Google Compare Credit Cards Inc. (CA)

I have an account that is good-standing with Google Fi ( www.google.com/fi ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. 

Google Fi Support Inquiry : Case ID [ XXXX ]
Consumer complaint received 2021-10-22
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: PNC Bank N.A. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (TX)

i disputed these accounts with the creditor and the representative told me to stop disputing because it was reporting correctly and the information on my credit report is still reporting inaccurate information which is a violation of the FCRA also i have provide a copy of my account thats reporting inaccurately. i alos ask the company to provide the following Agreement with my information that was grant collection agency name the authority to collect this alleged debt.

Signed agreement debtor has made with debt collector, other verifiable proof debtor has a contractual obligation to pay debt collector Any agreement that bears the signature of debtor, wherein agreed to pay creditor. 

All statement while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgment been obtained by any creditor regarding this account? 


Easternaccos ( WOW ) ACCT # XXXX XXXX inaccurate information Easternaccos ( WOW ) ACCT # XXXX-inaccurate information
Consumer complaint received 2021-10-22
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: Risecredit, LLC (TN)

Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.
Consumer complaint received 2021-09-28
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. (PA)

1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.