davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Thus us addendum to complaints : XXXX XXXX Both made on XX/XX/XXXX I was also told by XXXX that worked for Carrington. They have been holding my money but not applying it to my account since XX/XX/XXXX, letting unnecessary interest to accrue. Thus is a cruel and unethical banking prank to try to take someones house. My mortgage is current. I have paid XXXX payments, the proof has been submitted. Why they are just holding tge money in the back as she stated I dont know. People should me made aware of this unethical practice of this company. That money ( payments ) they are holding should be applied to my account immediately, without that accrued interest added. This is just an awful practice to prey on people. 
Unethical practices must be stopped, God sees it all
Consumer complaint received 2022-03-01
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-12-31
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account 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.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-12-31
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

I am a XXXX  service member and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXXComenity Bank sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.
Consumer complaint received 2022-03-01
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. (NV)

In accordance with the fair credit reporting act these convergent account numbers have violated my rights. 
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 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 1666 B : 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 2020-06-15
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (FL)

XXXX  and Experian are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WA)

I left on a XXXX to an austere location in XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, there was a {$19.00} charge that was made on my American Express XXXX directly to XXXX. I do not recall this purchase and have filed a complaint with XXXX. They directed me up to the XXXX help-line after I reached out to their consumer website and stated " a direct purchase from XXXX is not possible. '' I have not heard back from XXXX 's XXXX office yet. 

Since I was XXXX, I went 60 days overdue on this {$19.00} charge. American Express paid it off after it was severely overdue. This has had an enormous effect on my credit score/report. I have worked with American Express on XXXX separate occasions. The first time I called XXXX XX/XX/XXXX ), the customer service clerk told me she would take care of it. Nothing was done. On the second attempt XXXX XX/XX/XXXX XXXX, I managed to file an official complaint with their credit bureau. They stated I should be able to see it removed XXXX XX/XX/XXXX. A few weeks after XX/XX/XXXX, I called back and they stated that it had all been resolved. They sent me a check in the mail for {$2.00}. I have not cashed that since I do not know what this is for. The check is still in my possession and the overdue {$19.00} still shows up on my credit reports. I'd like to press to have this removed. 

Under the Service Members Civil Relief Act, I should be protected from this erroneous charge since I was XXXX at that time. I had the financial means to pay off the {$19.00} but did not have the ability to do so due to my XXXX. I am filing with you since I have no been successful with American Express and have not heard back from XXXX.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-11-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

upon first receiving collection letter and communication from XXXX XXXX XXXX I explained to them that the account didn't belong to me and if they can send information to validate the debt. To this day I still have not received anything. 

XX/XX/2022, I mailed dispute letter to Equifax requesting the removal of account, Equifax sent response back claiming the debt was valid. 

XX/XX/2022, I mailed a 2nd letter to Equifax requesting the removal of debt, this debt does not belong to me, they are reporting inaccurate information.
Consumer complaint received 2019-12-02
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. (CA)

XXXX XXXX XXXX XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.
Consumer complaint received 2024-04-17
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: Advantage Credit, Inc. (CA)

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries, from the Merchants 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 2020-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (FL)

My name is XXXX XXXX XXXX and I have been a victim of scam and identity theft. I initiated a Police Report with the XXXX Sheriff Office ; Florida ; ph. XXXX ; XXXX  Case Number XXXX and a Complaint with the FTC Rpt. # XXXX. The scam is related to : I performed a serial of wire transfer ( a total of 3 wire transfer {$31000.00} ) at the request of the Social Security Administration ( SSA ) and the Federal Trade Commission ( FTC ) guided by XXXX XXXX a fictitious DEA agent. Funds were wire transferred from my XXXX XXXX XXXX XXXX Account # XXXXX ; Routing # : XXXX to other 2 Bank accounts ( account numbers available upon request ; name of the banks : " XXXX XXXX XXXX  '' ; ( XXXX ) and " Bank of the West '' ; XXXX ) the account numbers and routing number for these banks were provided by the fictitious DEA Agent, named XXXX XXXX ( phone used to initiate the scam XXXX he used other numbers also ). On XX/XX/2020 ; I did the first wire transfer of XXXX to XXXX XXXX XXXX  ; the second on XX/XX/2020 for {$10000.00} and the third on XX/XX/2020 for {$11000.00}, both wire transfers to Bank of West ; for a total of {$31000.00}. On XX/XX/2020, I found I that this was an scam, when I called the Drug Enforcement Office, and told them that a DEA agent named XXXX XXXX made me wire transfer money to XXXX banks. The XXXX XXXX told me that call immediately the XXXX XXXX XXXX XXXX to recall the wire transfers and that XXXX XXXX was not a DEA agent. I immediately called XXXX XXXX XXXX and they recalled all the wire transfer from both banks. The Credit Union could recalled the wire transfer of XXXX from XXXX XXXX XXXX  ( which were wire transferred on XX/XX/2020 ) but could not recalled the 2 wire transfers for Bank of the West ( which were wire transferred on XX/XX/2020 ( {$10000.00} ) and XX/XX/2020 ( {$11000.00} ). In addition was also very difficult to communicate to the Bank of the West ; according to the XXXX XXXX XXXX XXXX. Please I need help to recuperate my money from Bank of the West located in California. Please if you publish this notice, remove my name and personal data from this notification.
Consumer complaint received 2022-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/22 I requested a refund of {$8200.00} from my loan servicer Aidvantage. I have called on a recurring basis to check the status of the application. The refund request has been in processing for several months. I get the same message from customer service every time I call, just keep checking your student loan balance and then youll know your application has been processed. I would like some help with getting my application processed please.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Collection Agency : Caine & Weiner Company Original Creditor : XXXX  XXXX  Balance : {$160.00} I requested that Caine & Weiner Company USA provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay Provide me with copies of any papers that show what you say I owe Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

Answers to these questions were requested also : Who is the current owner of this alleged debt? 
Who is the original creditor for this alleged debt? 
If XXXX XXXX XXXX is the current owner, when was it purchased? 
Who was it purchased from? 
Have you assigned the alleged debt to another entity for collection? 
If so, to whom was it assigned and when? 
Have you sold or otherwise transferred this alleged debt. 
If so, to whom was it sold and when? 

In my XXXX letter to Caine & Weiner I requested that they provide the statements and documentary evidence for validation of this account.
Consumer complaint received 2020-06-15
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. (PA)

On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX
Consumer complaint received 2020-04-11
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/2019 I applied for an auto loan with Fifth Third Bank. I told the agent all the information about the van specially it's a salvage title. And then they still pulled my credit report and denied the loan because it's a salvage title. So that effected bad on my credit report. I tried to talk to the agent whom did the loan and they said they can not do anything about that. So my question still is " is it right to pulled my credit report when they known that will be denied ''?
Consumer complaint received 2023-01-06
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 with the Fair Credit Credit Reporting Act, XXXX  account # 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  have 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 reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc. (MD)

I asked dividend for a breakdown of the finance charges listed on my solar & roof loan agreement. They stated that it should have possible after I have the loan finalized. The information is helpful to see how overpaying each monthly can save me. I can save interst, but paying extra won't save money on their hidden fees. 
When I pointed out that they want me to sign a document without a detailed explanation, the rep just apologizes that there is nothing him or his supervisor could do
Consumer complaint received 2020-06-15
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. (PA)

On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

I received a statement from Capital Accounts stating that I had an account with XXXX XXXX. I do not, nor have I ever owned any vehicle that was serviced by XXXX XXXX. The vehicle that was serviced by XXXX was owned by a corporation XXXX XXXX Any account that would have been created between XXXX and would be the responsibility of the business and not me as an individual. 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate. Checking the vehicle registration with the VIN number would confirm that information. Capital Accounts failed to accurately verify that I and not a business was responsible for this debt.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.