davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 :
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

I have contacted this company directly and ask them to please validate the debt. They can not provide sign documents, Photo of ID, pictures from being at this hospital. I have also contact all 3 credit bureaus and Design solutions have provided them with false information. I also have a police report my wallet with my ID was stolen out my car.
Consumer complaint received 2020-08-12
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. (OH)

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for XXXX XXXX. Called and they still havent removed from my credit report.
Consumer complaint received 2020-09-29
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 {$4600.00}. 
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/2020 and the subsequent response received onXX/XX/2020 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 XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Consumer complaint received 2020-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Patenaude & Felix A Professional Corporation (VA)

I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to XXXX XXXX XXXX XXXX. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX XXXX  that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. 

Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in Virginia from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions  set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to effect both of our lives and credit scores.
Consumer complaint received 2020-08-04
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. (NC)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was listed in the equifax data breach.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (IL)

I have attempted several times to reach Credo due to they ran my credit with out my verbal or written consent on XX/XX/21. XXXX and XXXX have deleted this inquiry due to i did not authorize this inquiry.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

My Complaint is against Spring Oaks Capital. This Institution has violated my consumer rights reporting claims that I owe them a debt of over XXXX $ that I do not owe them. I never received any communication from them before they placed derogatory information on my credit profile including no notification of my right to dispute the debt. Which is a violation of my consumer rights. They have slandered my credit report with erroneous information that has rendered me unable to be approved for new credit. I've sent written requests in XX/XX/2022, and XX/XX/2022 directly to the institution requesting that they send me validation of the debt or cease all reporting and collection attempts ( see attachment ). They have not responded in the allotted timeframe of 30 days which is another violation of the FCDPA. Yet still reporting this information monthly on my consumer profile. I went further and requested that XXXX Credit Bureau complete an investigation of completely verifying this account that they have also allowed to remain on my credit profile ( see attachment ). The results came back verified with-in a few days. With no explanation of the method of verification, and happily marked my ongoing dispute as resolved ( see attachment of credit report ). XXXX has failed to conduct a full and thorough investigation which is again another violation of my consumer rights as defined by the FCRA. Additionally, I have filed a complaint against them with the Federal Trade Commission ( see attachment ) for the negligence of both parties to operate by Federal statutes and guidelines. 
I want this erroneous and unverified information removed from my credit profile Immediately.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MARINER FINANCE, LLC (TX)

Mariner Finance has been calling me at my place of employment every weekday since at least XX/XX/XXXX, trying to collect a debt. I had provided them with a number that they are to contact and today ( XX/XX/XXXX ), XXXX XXXX called and spoke with a fellow coworker asking to have me please call him regarding a personal matter. When I contacted XXXX he acknowledged that I had provided a number in my profile but said that he had been trying to call it and it was disconnected. After I gave it to him again, he asked me to hold and then came back on the line to tell me that it is working.
Consumer complaint received 2024-03-15
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. (IL)

Equifax, XXXX, XXXX and XXXXXXXX XXXX  Bank is in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX Bank, account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Dont respond with validated because I'm not asking for anything to be validated or verified.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I have contacted PennyMac numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting PennyMac reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from PennyMac confirming the extension of my forbearance plan thru XX/XX/2020.
Consumer complaint received 2020-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX XXXX and I took out a flex loan with Advance Financial and the agreement said to resolve disputes about their 279 % line of credit would solved through arbitration, and now I am being sued by a debt collector attorney would just sent me a print out of the amounts paid by no running balance and the company took the write off amount ( for business loss in taxes ), added fees that I didnt know about and after paying thousands of dollars already for a line of credit of {$4000.00}, they say I still owe over {$5400.00}. This seems like predatory lending, at best. When I requested information from their attorney, I wasnt given answers that a consumer could easily understand. And repeated attempts to contact them resulted in failure. This is the definition of predatory lending.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (VA)

I have an ATT Universal credit card with Citibank. On XXXX/XXXX/15, I wanted to authorize an online transaction in the amount of XXXX British pounds ( a bit more than {$3000.00} ), to a firm in the XXXX XXXX, for the purchase of a collectible item ( a coin ). Citibank 's fraud protection unit often blocks transactions of this type ( they blocked XXXX of mine just three weeks prior ), and I contacted Citibank through its online secure messaging system to notify them that the transaction would be coming and that it was valid. The electronic response I received told me to telephone them, which I did on XXXX. I gave them all the information for the transaction, including the anticipated date it would be completed ( XXXX/XXXX/15 ), and I was assured it would be processed. 

On XXXX, I received notification from the vendor that the transaction had been declined ; I also received an email notice from Citibank that it had been declined. I telephoned Citibank again in the evening of XXXX, and they advised that the account had not actually been noted to approve the transaction ( despite the separate electronic and telephone notifications I provided ), but that they would do so now : I was assured that the transaction would be approved when the vendor resubmitted it the next day, XXXX ( at this time it was already after business hours in the XXXX XXXX ). As further assurance, the Customer Service Representative told me that she or someone else from Citibank would contact me when the transaction went through. 

After speaking to Citibank, I contacted the vendor to authorize him to proceed. 
On XXXX, the vendor notified me that the transaction had again been declined ; I also received an e-mail notification from Citibank that it had been declined, with a request that I contact them to verify whether it was valid. 

I AGAIN verified that the transaction was valid, using Citibank 's electronic verification system, which advised me to have the vendor re-transmit the transaction. I then attempted to have the transaction go forward ... and it was declined again. 

I then XXXX telephoned Citibank, but I was not able to reach anyone at Citibank to clear this up -- both times the phone system just went through voice prompt XXXX -- but when I checked my account online I found that they were XXXX " pending '' transactions for the vendor, each in the full amount. Those XXXX " pending '' items match up with the XXXX separate attempted charges -- each of which was returned as " declined. '' Notwithstanding that the charges were all declined, my available credit limit has been reduced by an amount equal to the total of the XXXX failed/declined transactions. 

I then threw up my hands and ran the transaction using a XXXX credit card -- which went through without a hitch.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I receive a letter on XX/XX/2022 that was forwarded to me from an address, which I had over XXXX years ago. It states I opened a checking account on XX/XX/2022 and it was closed on XX/XX/2022. I did not open nor close any checking account. Someone at Wells Fargo either did or allowed this to happen by using my social security number, allowing the change of address, and accepting the applicant 's email address and false driver 's license number. There was no attempt by Wells Fargo to notify me of the opening or closure, other than a letter that went to the wrong address. I spoke with XXXX Wells Fargo employees today on the phone, and they told me to contact the credit bureaus. They did not make an attempt to safeguard my existing account with Wells Fargo.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My entire identity was stolen by an old friend that maliciously ruined my life, credit, job, phones and accounts. I can not access my credit beauros social media accounts my original email and basically everything. I need help asap please I filed a police report but the girl that did this lives in Florida so the police didnt really care or do anything. I dont know who to turn to. Please help
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

NRA National Recovery Agency did not verify my debt and reported me 2 times to all credit agencies for the same debt. 

At or around XX/XX/XXXX I received a letter from NRA stating I owed {$250.00} to XXXX In which I did not know what they were referring to because their letter only stated XXXX {$250.00}. Send us a check. I thought it was a scam letter. I took it upon myself to investigate what they were talking about. I proceeded to logged into my old XXXX account and found out that I had a " XXXX '' balance on my account. Because I was under the impression that all my utilities bills were set up in automatic payment and there was no balance to be paid. I took a screenshot of what I saw and mailed them a copy and asked for validation. Instead, they proceeded to report Serious derogatory remarks upon my credit. Which is affecting me financially. 
On XX/XX/XXXX I send them a letter stating that do to the damages to my credit I will settle to pay an amount of {$200.00} dollars and a deletion of the bad reports to the credit boroughs. A very fair deal for both of us. 
A week later on XX/XX/XXXX I received a phone call from someone in the NRA collection agency stating they were on a capacity of supervisor in which they agreed to delete derogatory remarks on my credit and the {$200.00}. We had an agreement, and I asked them to send me a letter or an e.mail stating that they will delete derogatory remarks. They stated they couldn't or wouldn't put it in writing and that taking their word for it ; it was ok for me. My understanding is that if is not in writing is not legitimate. 
On XX/XX/XXXX I check my credit, and they made again a second derogatory remark. Affecting my credit further I now have a D rating on my credit. 

1. I believed that I asked for validation, and they didn't act in accordance to the credit fair federal rules.

2. I wanted things in writing instead they further affected my credit.