davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OH)

We refinanced with loan depot in 2021. My first payment was due on XX/XX/XXXX which I made, but there was an issue with them applying the funds correctly. When I noticed the issue on XX/XX/XXXX, I submitted a secure message to loandepot asking for them to look at my account. They advised me at that time I should not make partial payments ( every two weeks ). I agreed I would not do it again and they replied to me that they posted my payments for XXXX on the XXXX. They stated my next payment due was for XXXX XXXX. I have been paying on time on what i thought was current payments this entire time. Fast forward to XXXX, where I receive an email from loan depot that they now accept partial payments. I did partial payments, come to find out they did not accept them unless you were two months ahead. I start getting collections calls because they said I was 2 months behind which is not the case. I was treated horribly and lied to by one of their reps. They told me I had a escrow shortage and my payment would go from XXXX to over XXXX and the lady was awful on the phone when I asked for proof. I then talk to a manager who says you do not have an escrow shortage she lied to you. Then I find out that they never posted my XXXX payments correctly and had me reflecting as delinquent for XXXX. I then get a check back in the mail for {$670.00}, I called and had it posted to my account immediately and I was advised someone would keep an eye on my account, so it did not get posted negative to the credit reporting agency. I escalated the issue with my XXXX payment, and I keep getting push back from the company saying I never reached out which is not the case. Had they fixed it correctly like they stated to me I would not have been a month behind this entire time. Now they are refusing to help fix the issue, and I have no idea where the {$1300.00} I paid to them in XXXX got applied. We had a ton of issues at closing too that they attempted to resolve but we were so frustrated we just gave up. This experience has been nothing short of a nightmare. I want them to fix my XXXX Payment, and i want the negative reporting removed from my credit and my husband 's credit. I should be reflecting due for XXXX and that needs fixed.
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Transcontinental Credit & Collection Corp (AL)

I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for
Consumer complaint received 2022-04-17
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. (AL)

I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for
Consumer complaint received 2022-04-17
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. (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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA has violated m

y rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-17
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  account # XXXX date opened dates are different from XXXX then experian XXXX  date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX date of last active is XX/XX/XXXX Experian date of last active is XX/XX/XXXX please delete this account for multiply inaccuracies.
Consumer complaint received 2022-04-17
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. (TX)

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and account number # # # # # # # # # # # # # 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 also states a consumer report ac can not furnish an account without my written instruction
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) has violated my rights. 
1

5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer report ac can not furnish an account without my written instruction
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive sent numerous certified letters to transunion to get inquires removed from my credit, called multiple times they stated they never received any letters and refuse to remove inquiries in which I never gave my consent for my credit to be released to any of these companies
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # 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 also states a consumer report ac can not furnish an account without my written instruction
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting 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. (AZ)

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
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. (CO)

In accordance with the Fair Credit Reporting act 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, XXXXXXXX XXXX # XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-04-17
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. (CO)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-17
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. (NC)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2022-04-17
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. (NC)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2022-04-17
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. (AZ)

There was a credit card opened fraudulently in my name through XXXX and sold to XXXX XXXX XXXX. I have never had knowledge of this account but it is reporting incorrectly on my credit report and I have he right to have an accurate credit report. I demand this be removed immediately.
Consumer complaint received 2022-04-17
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. (NC)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There is incorrect personal information reporting on my credit report. 

I have previously requested the corrections, including my ID displaying the correct spelling of my name and correct address. 

Experian, continue to report the incorrect information.
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent a request for debt validation back in 2015. I asked them to only communicate with me by mail. Since then i have not received notice by mail of the information. The only information I have had for them up til now is the address that is on my credit report which must be inaccurate because the letters have come back as returned, or not answered at all. How is legal for them to list a host of inaccuracies on my credit report up to and then not validate/ verify their debt and that they have a legal right to collect it. How do i know that if i were to pay this it wouldnt just get returned as my requests for relief and further information have or that it wont just be sold to another debt collector who will do the same things they have further tarnishing my credit.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # FLOORS XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEALER XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Incomm Holdings Inc. (NC)

3/16/22-Purchased a Serve Prepaid Visa Card from XXXX # XXXX. The card was not activated in store, however the payment was taken. 

XXXXSent a fax to XXXX with requested information ( card package, activation receipt, drivers license, picture of the card, mailing address, phone number ). This is shown in " Incomm_Fax.png '' and " Serve Activation.docx ''. 

XXXXFollowed up over phone, was told to follow up over email through XXXX. I have not received a reply since. This is shown in " Incomm_email.png '' XXXXFollowed up over phone. Was given the same options and since those have been exhausted, the rep said there was nothing they could do.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (PA)

I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.