davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
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. (PA)

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
Consumer complaint received 2023-03-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have told them they are calling the wrong number repeatedly. They keep stating they have the right number stating I owe for a loan. I do not drive, nor do I take out loans. They keep finding new numbers to call from. This is beyond harassment. Not only that but the most recent calls they just stay on the phone. They don't know this but I have caller ID so I know its them. I've also had times they would not get off the line. We need our line to be open since more than one person in our household has serious health issues and they could turn deadly.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (TX)

I'm XXXX XXXX get XXXX check every month on it for learning XXXX can't read spell I even have use XXXX on my phone to say what I need to I did a title loan through titlemax in XXXX Texas where the employee woman read things to me under my understandment I make monthly payments on my vehicle go tword my loan I had gotten at the time due to recently being diagnosed with XXXX XXXX I was told I make my payments tword my loan every month till was paid off only to find out my payment have not went tword my loan and they wanted me to pay double my amount almost XXXX dollars for being 7 days late on my payment sick with XXXX in my XXXX when I spoke to a woman from the local office I told them that XXXX dollar payment was ubsurbe considering I'm full XXXX don't get enough month they agreed by pHone allow me to make a payment on XXXX first and my car was not supposed be on repo list my car was repod last night XX/XX/2023 now saying I have pay payoff amount of XXXX when my payoff amount was XXXX now have no way getting to my XXXX or XXXX doctor Tittle max is saying they don't know where my car is or who even towed it so I can get my belongings out that contain to my oxygen I feel I am being completely tooken advantage of I have XXXX grandkids live with me as well I care for
Consumer complaint received 2023-03-03
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)

In accordance with fair credit reporting act XXXX  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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Good day! I recently wrote to XXXX and Equifax showing my concerns with the fraudulent information that they have been reporting on my credit report. I wrote to them on the XXXX of XX/XX/2023 and also in August 30 days after the previous letter. Till this day I have not heard anything back from them regarding this matter and according the FCRA, any information not verified or refuted within 30 days must be deleted. This is a XXXX of justice what's going on here and I will definitely also be reaching out to the presidents of these companies and also the Attorney General. None of these accounts are mine and are all fraud. I never authorized any of these companies to open any accounts in my name or to send me anything. Someone used my information fraudulently and I am disputing all of the accounts listed. If they are not removed then I will definitely be filing a lawsuit and seeking compensation for my pain and heartache for what's being done to me. With all the fraud that's going on, I can't believe these companies are still just opening accounts without verifying the information first. Even on the credit reports with the XXXX credit bureaus, all of the information has different dates when opened etc with is a violation in itself. Please fix this nonsense as soon as possible because I am definitely keeping a record in case I have to go to court with all these companies and I will guarantee you that I will be seeking compensation for this. Thank you in advance and if I don't get a response soon then I will send a letter and also call the Attorney General about this matter.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (GA)

Hi, my mortgage company CMG Financial isn't paying my property taxes to the XXXX County of Georgia Tax Assessor with the money I pay through my mortgage each month into escrow. The XXXX XXXX Tax Assessor sent me a delinquent property tax bill and advised a tax lien will be applied to my property on XX/XX/2021, if I fail to pay $ XXXX-something in back taxes- taxes which I've paid via my mortgage through escrow. I tried contacting my mortgage company as advised on the back of my mortgage bill by sending an email to XXXX, but I haven't received a reply. 

The thing which is deeply disturbing to me, and which I can't understand to save my life, is the seller, from who I purchased this property on XX/XX/XXXX, XXXX their name is listed as the property owner on the delinquent tax bill I received. I pay taxes through escrow and this property cleared title, so I don't understand why I'm receiving this tax notice. 

Additionally, I can not login to my mortgage payment account at https : //cmgmortgage.loanadministration.com/ Suddenly, my login credentials fail to work and when I go to look up my username, I receive a message that my email address and social security number isn't recognized. When I call to speak with someone, after navigating through about 10 minutes of useless automated information, I receive a message to call back during normal business hours.
Consumer complaint received 2023-06-30
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. (KS)

Ive sent numerous letters to all 3 credit reporting agencies about reporting 2 repo 's on my credit report from XXXX XXXX and XXXX Consumer i did not give them any written consent to report these. As law 15 usc 1681a2 states.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE {$4400.00} XXXX XXXX ACCOUNT XXXX BALANCE {$590.00} XXXX XXXX ACCOUNT XXXX BALANCE {$1900.00} XXXX XXXX  ACCOUNT XXXX BALANCE {$5400.00} XXXX XXXX XXXX XXXX BALANCE {$270.00} ABOVE REFERENCE ARE ACCOUNTS THAT HAVE BEEN PREVIOUSLY DISPUTED WITH XXXX CREDIT REPORTING SERVICES, I HAVE A FTC REPORT ON FILE FOR IDENTITY THEFT, I ALSO SUBMITTED A POLICE REPORT IN REGARDS TO THESE FRADULENT ACCOUNTS THAT THEY DENIED ADDING TO MY DISPUTE AND I AM IN CURRENT LITIGATION THREW A LAW FIEM CALLED XXXX XXXXXXXX XXXX IN NEW YORK SUING FOR A SETTLEMENT FROM XXXX OF THERE RECENT DATA BREACH UNDER THE FAIR CREDIT ACT AND CONSUMER LAW THE CREDIT BUREAU HASNT HONORED MY RIGHTS AS A CITIZEN AND HAS VIOLATED MY NATURAL RIGHTS. I DEMAND THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy
Consumer complaint received 2021-02-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I need your help to stop this deceptive practice and fraud from Office Depot, I had request to cancelled the service but the charged continually to add on to my account in my name. 
I paid my bill in timely manner and pay as agreed. For the service to start I must pay in advantage otherwise the service will not be provided. When I request for cancellation the charge should be stop, and not giving accused for back pay for fraud profits. I called and spoke to XXXX on XX/XX/2020, XXXX she insisted that I still owned Office Depot back in XXXX & XX/XX/2020. ( see attachment ) Office Depot continue to send me monthly bill with late charged and interest that I didnt owned. Please help me stop this deceptive practice and fraud that continue on, and on. 
I need your help, this type of fraud for profits must be stop, I am looking forward to hearing from you and thank you for your help and understanding. 
Sincerely,
Consumer complaint received 2021-06-26
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. (OH)

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.
Consumer complaint received 2023-06-29
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. (AL)

In Accordance with the Fair Credit Reporting Act : The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 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 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 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A 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 the information is inaccurate.
Consumer complaint received 2023-06-30
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. (GA)

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 ( Original Creditor : 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 2022-11-12
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 have 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 XXXXXXXX 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 States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report 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 the information is inaccurate.
Consumer complaint received 2023-05-22
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. (CA)

I have a car loan through XXXX. In XXXX of XXXX  I had paid off XXXX  % of the loan with no delinquent payments or derogatory information. 

In XXXX, my credit score just dropped from excellent to very good. My overall credit utilization remains under XXXX %- which is normal for me. This includes the auto loan. 

I received a XXXX alert with a negative factor on my Experian account. It said that " the remaining balance on this installment loan was relatively high '' and impacting my score. That is the only negative factor ever reported on my Experian report. 

I called Experian to see why, at the XXXX  % installment loan paid off milestone, Experian is saying the balance is too high. This information never showed up on previous reports. 

They were not able to explain and said it might " correct next month ''. I do not accept this answer.
Consumer complaint received 2023-06-29
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. (IL)

A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX  XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.
Consumer complaint received 2023-02-04
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. (PA)

There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.