davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (SC)

SOUTHWEST RECOVERY SERVICES XXXX XXXX XXXX reported that I owed a debt in which appears to have occured when my identity had been compromised.I received emails from this company and assumed it was fraudulent emails and I have advised the company that i had no knowledge of any such debt. XXXX refused to provide any details about debt and has sent me emails in which I responded to advising them that this is not my debt. On XX/XX/2021 they sent this information to the Credit Bureau after I advised them that this is not my account.
Consumer complaint received 2019-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

I was intentionally defrauded by deceptive business practices while on vacation in Hawaii under a high pressure, with time constraints, told lies, which i relied upon when signing a contract on XX/XX/XXXX, that was grossly misrepresented with family vacation promises by XXXX XXXX XXXX, who promptly took my money and had me sign an installment payment agreement on the spot. when i actually got to read the contact, it made no sense, it actually is not clear on what was purchased, it notes property, license agreement, membership plan, with confusing and conflicting information, that still does not make sense. i tried to discuss with someone to cancel and they gave me the run around, and by the third day i went in person and the refused my cancel. i returned home and tried to cancel on XX/XX/XXXX, and they said the account is no longer theirs, that it was assigned to Monterey Financial Services. Come to find MFS is part of the scam. They exist to take over collections on the defrauded accounts, and they are in another state, CA to further perpetrate the fraud. They withdrew 2 payments from my bank and i cancelled it with my bank. They have been calling me and sending me notices of collections since, and after they did not receive 2 payments, they have reported me to collections. I talked to them to let them know i dispute thne contract. The agreement said for disputes to file arbitration, of which i filed on XX/XX/XXXX with XXXX, against both MFS and XXXX. Neither responded and XXXX now closed the file. And in fact, XXXX notified them that their arbitration clause is in violation of the rules, and that it did not go through the approval process and requested them remove it " so that there is no confusion to the public regarding out decision '' i want my money back, i want the agreement rescinded, i want restitution, i want my credit restored, and i want these frauds to stop ripping people off.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

FCRA Viloations not mine HIPPA Violatios not my medical bills LAW OFFICES XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$690.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX & XXXX Last reported XX/XX/XXXX {$2000.00} Open XXXX XXXX XXXX XXXX Original creditor Not my Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
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. (CA)

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00}
Consumer complaint received 2019-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.
Consumer complaint received 2024-02-20
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. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (LA)

Upon looking at my XXXX, XXXX, and XXXX credit  report I noticed an account for Discover Financial Services. Sent a letter to the company to their mailing address addressing this fraudulent account. However they have not given me a response and its passed 30 days. They didnt provide me an application with my wet signature, and no permissible purpose this is violations of the fair credit reporting act and I have never applied for anything with Discover Financial Services.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates (MI)

LJ ross put something from XXXX XXXX on my credit report without validating the debt. XXXX  is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and LJ ross failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.
Consumer complaint received 2019-12-15
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. (MI)

XXXX XXXX put something from XXXX XXXX on my credit report without validating the debt. XXXX is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and XXXX XXXX failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.
Consumer complaint received 2019-12-15
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. (WA)

I sent a dispute letter to TransUnion XX/XX/2019. The USPS Certified Mail dispute letter was delivered and signed for on XX/XX/2019. TransUnion has not responded to the dispute or acknowledge that the dispute is being investigated. According to the FCRP, the bureau ( s ) have 30 days to respond to a dispute, and it's been past the 30 days.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

Discover card disputed my claim wrongfully and will not take ownership of their mistake. Claim was submitted as Services not rendered instead of Services not as described, in the financial world this makes a huge difference on claims because it is two different reasons however discover states this would have had no effect on my case which is a lie also claimed the reason codes are the same for these reasons and that is also a lie. Attempted to speak to a supervisor but they just declined my claim and charged the fee back.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TMAGNUSONE Inc (NY)

i attended the XXXX XXXX XXXX XXXX as XXXX  candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX  and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Consumer complaint received 2021-12-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (GA)

This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

Pay Pal credit agreed to remove late payments being reported to XXXX and XXXX credit reporting agencies, If I paid off my balance in full by my XX/XX/2019 due date. I honored our agreement and paid off the account on XX/XX/2019. Ive made several attempts to contact creditor by mail asking them to honor or agreement without any response from them. I also tried disputing them directly through XXXX and XXXX every time the say account is accurate. Which is breaking our agreement.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXP ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-24
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. (NY)

i attended the XXXX XXXX XXXX XXXX as XXXX  candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX  and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Consumer complaint received 2024-02-20
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is making me very angry. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Transunion is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Transunion also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof Transunion broke the law several times and is getting away with criminal activity. You have a duty to remain compliant and not do what you want to do.
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I signed a loan for a car with the understanding that the loan was for {$18000.00}. When the 1st payment came due, I noticed that the balance was higher. They added a {$120.00} fee to the principal that I had not been aware would be added to the principal.
Consumer complaint received 2019-12-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. 

First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. 

Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. 

Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i attended the XXXX XXXX XXXX XXXX as XXXX   candidate from XXXX - XXXX and my undergoing XXXX XXXX and XXXX  until XX/XX/XXXX ( as XXXX XXXX  ). I just got the XXXX XXXX forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX   and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.