davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check, and had to wait several days for it to be credited. In the meantime, some charges came in to my account that caused it to have a negative balance. I was charged for each of these overdrafts @ $ XXXX/charge. This seems excessive to me.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I received a phone call from Convergent a debt collection agency that I had two outstanding energy bills in XXXX Tx about two weeks ago. I have never lived in Tx only in California. One company was XXXX XXXX XXXX XXXX XXXX acct # XXXX for {$990.00} and the other was XXXX XXXX XXXX acct # XXXX $ 371.01.Not sure how someone got a hold of my information where they resided at XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX. I have a notified the XXXX Police dept. report # XXXX
Consumer complaint received 2022-12-29
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX was contacted in XX/XX/2018 after trying to collect on a paid mortgage. My home sold on XX/XX/18. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called XXXX 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.
Consumer complaint received 2023-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not TransUnion or XXXX. Would be helpful by them to open an investigation on this matter.
Consumer complaint received 2022-01-25
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. (NJ)

Receiving bills for a credit card that I do not have and never opened. Showing up on my credit report and unable to report fraud the the credit card company even though Ive made numerous attempts. Credit card company is XXXX XXXX.
Consumer complaint received 2022-04-14
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. (NC)

I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Garrison Investment Group (NC)

This is now the 2nd time this has happened. The first time I wanted to make a double payment so I processed my initial payment then set a secondary. The company canceled out the secondary stating that the system thought it was in error. OK fine. 

This time my payment due for XX/XX/XXXX I attempted to make payment. That payment on XX/XX/XXXX confirmation # XXXX for XXXX came back returned NSF. When I received the notice from my bank XX/XX/XXXX I immediately scheduled another so that their system would not kick it out. Their website showed it was still owed and not paid XX/XX/XXXX conf # XXXX this payment has not been processed again and my account online shows that there is no pending payment scheduled and that I am past due. These pay practices are creating more interest owed by keeping balances higher for a longer period of time. I want my payments processed and accepted as I pay them even if wanting to make consecutive multiple payments to bring down principal
Consumer complaint received 2021-03-18
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. (MO)

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2XXXX XXXX {$2800.00} 3XXXX XXXX XXXX  {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX  6. XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

On XX/XX/XXXX, I called PennyMac to request that I would like to remove the escrow account. The representative on the phone noted to me that it would be removed within 30 days, which is before my property taxes are due. I followed up with a question regarding who will be responsible for making the XXXX property tax payments due on XX/XX/XXXX. PennyMac informed me that I would be responsible for making the payments, so I did so on XX/XX/XXXX. I have not received my escrow refund, so I decided to call PennyMac today, on XX/XX/XXXX. PennyMac informed me that they did in fact make the property tax payment, which is contrary to the guidance I received in XXXX of XXXX. Due to PennyMac 's error, my escrow balance is currently negative and I will have to wait for a refund from the XXXX XXXX XXXX XXXX Treasury Department, which is notoriously slow and quite inconvenient, especially considering the amount in question. The taxes that PennyMac mistakenly paid were {$6700.00}. 

I was expecting an escrow refund of {$4600.00}. Due to PennyMac 's error, I now owe PennyMac {$2000.00} and have to wait for a refund of {$6700.00} from the XXXX XXXX XXXX XXXX Treasury Department.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (ME)

I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX  XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

EQUIFAX* XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX The inquiry occurred without my knowledge and these inquirys occurred without my approval. 
I sent letters to the Three Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX. 
XX/XX/XXXX The Inquirys have not been removed and I have not recieved a responce.
Consumer complaint received 2023-02-18
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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. FCRA XXXX XXXX ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On or about XX/XX/XXXX, I mailed a payment to Capital One in the amount of {$110.00}. within a matter of days on XX/XX/XXXX, I mailed a final payment to Capital One in the amount of XXXX, this amount represented to final balance due to Capital One. 

In checking with their automated system, it indicated on XX/XX/XXXX, I had no balance. I received a statement which indicated that they are XXXX for interest for XX/XX/XXXX. 

I called Capital Once and asked for a credit of the amount that they are charging for interest that didn't occur, the Supervisor indicated that she could careless she would not reverse the charge. 

My position, who can they charge me for interest that when I paid the full balance off. I am requesting that the {$29.00} should be refunded to this writer.
Consumer complaint received 2021-03-18
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. (NY)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

The collection agency Central Portfolio Control, is using a tactic called debt parking in an attempt to extort me. I had a medical debt back in XXXX ( around {$870.00} ) that was eventually paid for by my insurance, and consequently removed from my credit report. Central Portfolio Control re-reported this to my credit as a new debt from XX/XX/XXXX, in an attempt to damage my credit and extort me into paying on an invalid debt. 

They never attempted to contact me via telephone, or by mail before reporting to my credit. No attempt was made by them to validate the accuracy of this debt. 

I called their agency and was told that I needed to pay, and they had no intention of removing this bogus debt from my report. 

Not only is this debt not valid, they are in clear violation of FCRA and FDCPA regulations using debt parking tactics.