davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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: World Omni Financial Corp. (NC)

I submitted numerous disputes. On the most recent dispute, XX/XX/2019 and XX/XX/2019 follow up letter and packet. I submitted a letter with the creditor lying to a North Carolina consumer protection agent on goods and services sold under false pretenses. After a detailed letter and report, they continue to report inaccurate historical data since XX/XX/2019 even after given clear historical numbers and violations of my civil rights.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Consumer complaint received 2022-04-23
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: WHEELS FINANCIAL GROUP, LLC. (IL)

Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the XXXX Bureau who responded that the information reported meets FCRA Guidelines. XXXX Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is LoanMart re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. LoanMart re-aged the debt by over 2 years! Next, Loan Mart reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open Auto Loan. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.
Consumer complaint received 2019-12-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (CA)

After not being able to get through via telephone during the holiday, I decided to mail my payment to prevent being charged a fee for making the payment via agent, and to apply the additional fee towards my mortgage payment. 

I sent a check for {$22000.00} Priority mail on XX/XX/2019, with an expected delivery date of XX/XX/2019 ( See attached receipt ), very early in the morning to assure delivery in a timely manner. 

On XX/XX/XXXX a received a call from a PHH representative that my payment wasnt received and I needed to pay over {$5000.00} dollars because nothing less would be accepted. 

I informed him that the payment was made and he stated he would research to attempt to locate it. 

On XX/XX/2019 PHH called and when I answered the telephone, the person didnt respond and hung up the telephone. 

I called back and spoke to someone in XXXX, who stated they can not locate my payment. I explained that the payment was made and I dont have access to a fax machine but could email the receipt. He stated the receipt cant be emailed, but could be mailed, then he gave me the mailing address. 

I asked if I could stop payment on the check they lost and make the payment with him now. He stated he could not do that. I was then transferred to the Escalation Department. 

The Escalation Department pretty much told me the same information as the representative. They are requesting I send the front and back copy of a check that they lost. I dont trust PHH mortgage and decided to make my complaint public. 

How are they losing payments? What if I mailed my payment by regular mail and didnt have proof of payment?
Consumer complaint received 2022-10-02
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. (TX)

Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.
Consumer complaint received 2019-12-12
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. (TX)

On XX/XX/2019, I wrote a letter to Experian disputing information on my credit report. This is a letter that I sent to them. The item : Chapter XXXX US Bankruptcy Court, XXXX XXXX, TX, Reference # XXXX which I am disputing was not verified properly. On XX/XX/2019, I visited the United States Bankruptcy Court XXXX District of Texas, XXXX XXXX Division and met with clerk XXXX who reported that his office was never contacted by Experian or any of there representatives. The resulted information that Experian provided to me also had an incorrect address. The address provided by Experian was XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I received a letter from Experian stating that the information that is on my credit report is correct and that they will not change it. They told me that it was reported to them by XXXX XXXX and I attempted to contact them at XXXX with no luck.
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (NC)

H & R Accounts ( XXXX ) has placed a medical collection on my credit report for XXXX. It says that the original creditor was XXXX XXXX. The first problem is that I do not believe this is my account or debt. I have attempted to dispute this information with the credit bureaus twice now. Each time the dispute is resolved within 5 days and marked as accurate and meets FCRA requirements. The first dispute was submitted on XX/XX/19 very soon after it was reported to the bureaus. It was resolved on the XX/XX/19. I was never sent any documents verifying the account was mine. I have submitted another dispute on XX/XX/19 and have already been notified it was resolved with the same results and no verification documents. XXXX, XXXX, and XXXX  have not done sufficient investigating in either dispute and H & R Accounts has made no attempt to verify the information, validate any documents, or send any billing information. I know for a fact this account is either not mine and reported inaccurately or the original creditor XXXX XXXX has supplied them with the wrong information for the wrong person. I will be filing a lawsuit if the CFPB can not resolve my complaint with accurate verification. I can not supply any supporting documents because there are no documents, the account is false and not mine.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2018 I signed with Care Credit to help cover the cost of dental work. The cost came to a little over {$7000.00}. Supposedly, I was put into a promotional program that waved the interest for 12 months. However, I do not recall signing up for this program. 
On XX/XX/2018 it was stated that if I paid the balance of {$1200.00} for the deferred interest per the Promotional Balance my account would not be charged that amount. However, this promotional program is a scam and should be investigated. Out of the {$7000.00} owed I have paid {$3600.00} toward that balance and as of today the balance owed is at {$7000.00}. ( This past XX/XX/XXXX I canceled my card. ) I can understand having to pay interest on this account but nonetheless a portion of these payments should go toward the principal to pay down the balance. As it stands today, this account may never be paid off during my lifetime. After seeing Care Credit advertise on XXXX I became upset and called them to voice my concern. They responded and sent me the contract I signed, However, I did not see the promotion program attached to this contract. I believe they are misleading consumers with false advertising. What has me upset is that I check my credit report every week to stay on top of my accounts. I saw where I was charged interest on this account which caused me to be over the limit thus affecting my credit scores. I called Care Credit again this morning and was told the promotional program is automatically renewed and even though I canceled my Care Credit Card with them, I'm still charged monthly interest on this account! This is absurd! What other company does this? I have paid my payments on time every month and have never been late! I had no inkling that I signed with a company who believe in scamming its consumers.
Consumer complaint received 2022-12-23
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}.
Consumer complaint received 2019-12-12
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. (WI)

I filed a dispute with all three bureaus XXXX, XXXX, and Experian. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took Experian 2 days and stated my case won't be removed. I submitted XXXX decision regarding the deletion of this file. Experian should have followed suit because the same information was given to all 3 bureaus. Experian stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-23
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: Resurgent Capital Services L.P. (PA)

Company has no contract with me and is in violation of 15 USC 1681 15 USC 1692C 15 USC 1681 s-2 I proceed further action of law suit if not deleted from my file The burden is not on me It is the Bureau I have no written contract with this company this is my final letter about this company or I will exercise my rights as a consumer
Consumer complaint received 2022-10-20
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)

In accordance with the Fair Credit Reporting Act. The accounts in which I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER 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 an 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 2023-05-11
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. (OH)

XX/XX/2023 XXXX XXXX XXXXXXXX {$110.00} XXXX XXXX XXXX XXXX {$97.00} XX/XX/2023 Same Accounts XX/XX/2023 Same Accounts Ive contacted the companies and Credit Bureaus All I get in return are they have identified that these belong to me. These accounts have been charged off and are still open revolving accounts damaging my credit score. I did not receive a 1099 from the IRS. These are noncompliance FCRA regulations and need to be removed immediately
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Sierra Holdings LLC (TX)

I bought my car in XX/XX/2017 and was told by XXXX XXXX this car would rebuild my credit. I paid on tune for over a year and during hard ships they never allowed payment plans. They completely scammed. Me to get me in the car with a higher car note I wAs told I could trade it in and was never allowed to. 

I recently lost my job and paid half of the note and was never behind or show a history of constantly missing a payment. They didnt work with me at all as a single mom and I lost my car. 

I have gotten 2 cars from XXXX XXXX both were processed wrong. 
Sierra finance ( XXXX ) XXXX