davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern I have a hard inquiry on all three of my personal credit reports that was nor authorized by me and is clearly fraudulent. The company name is : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. In my personal statement included in my credit report, it clearly states that I am a victim of identity theft and that I am to be contacted personally before any activity of any kind takes place including my personal credit being accessed. My credit report has been placed under a credit freeze for this exact reason. I never have done any business with this company of any kind. This is clearly fraud.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX, charges were made on my credit card for ( 10 ) various {$50.00} gift cards which no one on my account allowed or gave permission for these purchases with XXXX. I was in the hospital with XXXX XXXX at the time and my wife did not order them. Our cards were in our permission and no one has ever been given permission to use them. We have never ordered gift cards through our Bank of America credit card. 
We reported the fraud, were given new cards and a new account and the investigation done by the bank failed to provide us any evidence to show that we were the ones to order these gift cards. We reopened the case when they denied us credit. I will again be asking them for evidence to show we purchased these gift cards which we did not. I will not be paying them the {$500.00} that was fraudulently charged to our account. 

Please assist us in getting this resolved.
Consumer complaint received 2022-04-13
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)

In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I made a purchase on XX/XX/XXXX for {$45.00} for a bathroom cabinet. I used Paypal to make this purchase. The seller uploaded tracking information a day later showing that the item had shipped out. I never received this item and the seller does not respond to any emails. The seller uploaded tracking information for XXXX XXXX. This tracking number indeed shows delivered. However, after speaking with XXXX this tracking number IS NOT for an item sent from this seller, nor was it shipped to me, or my address. I have opened up a dispute with paypal as well as having the dispute reopened and as long as the seller provides the same tracking number that XXXX  says is not valid they continue to close the case in the seller 's favor. I provided the documentation from XXXX showing that tracking number is for an item not delivered to me they still close the case and no refund provided. attached is the document from ups THIS IS NOT THE PACKAGE that I paid for. paypal dispute id : XXXX
Consumer complaint received 2021-10-20
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. (AR)

I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

In order to refinance my mortgage, which I desperately need to do and as quickly as possible ( or it may not happen ), I need a payment amount to show up for my student loan on my credit report. However, because I was on forbearance, it is not showing up. I then applied for a payment plan, only to find out on the 10th business day when they finally answered my phone call that they would not be able to put me on a payment plan due to COVID-19. Thereafter, we decided that a suitable alternative would be a letter that could be emailed to me explaining the circumstances. However, they keep changing their story and at first, they were saying they would send that letter within a couple of hours and then they kept subsequently changing the time frame. This is unacceptable.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (HI)

Last year, we entered a forebearance with our mortgage company. However, in XXXX, my loan was transferred to Mr. Cooper ( Nationstar ). My forbearance ended in XXXX and at that time Mr. Cooper only gave me an option to to a loan modification. We paid as required in XXXX, XXXX ands XXXX. However, on XX/XX/XXXX, I noticed my credit score dropped nearly 200 points due to my mortgage company reporting negatively on my account. I have been trying via phone, email and messaging on their website for a resolution and it still has not been corrected. It has been nearly 3 months and my credit score is still extremely low. No one calls me back or gives me an answer every time I contact them.
Consumer complaint received 2021-10-20
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. (VA)

All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Please see the attached file.
Consumer complaint received 2021-09-05
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)

XXXX, Equifax, and XXXX are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX  my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been XXXX years since having the vehicle in my possession. 
XXXX XXXX still reports the original balance and report late payment every month
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I am having a problem with getting resolution in regards to the inaccurate items on my credit report. I have sent in over 20 certified letters that include a copy of my drivers license, current utility bill and any verification to coincide with what I am trying to rectify. Equifax is reporting inaccurate information which has been harmful with my daily living. There are inquiries on my report from the same business, the same day. I have not asked for any credit with this business. Also, my personal information is incorrect and I have sent in proof.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Hello. I requested a replacement debit card to be sent to my temporary address in XXXX. Unfortunately, I learned that Capital One does not obtain tracking numbers for international card shipments. Without a tracking number it is very difficult to receive the card, as packages usually have to be picked up at the delivery company 's local office. In foreign countries there is only a minimal effort, if any, to deliver at the recipient 's address.
Consumer complaint received 2021-10-19
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-20
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: U.S. BANCORP (FL)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN XXXX XXXX IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP ON MY CREDIT REPORT.
Consumer complaint received 2021-10-20
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. (GA)

All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.
Consumer complaint received 2021-09-04
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: EQUIFAX, INC. (PA)

XXXX I am I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

There is an inquiry in my credit report that I did not authorize and should be removed. 

an inquiry by SYNCB/ JCP credit card and travel/ entertainment companies on XX/XX/2021. should be removed from my account/ credit report. 

I contacted the company SYNCB/JCP to remove the inquiry but it still showing in my report
Consumer complaint received 2020-04-10
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)

Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MO)

Fist I applied for multiple loans on line. FNB called me on XXXX saying I had been approved for a {$6000.00} loan for 5 years ( unsure ) at {$120.00} monthly payments and would that be beneficial. Yes. She stated because of my poor credit rate I needed insurance to prove I could payback the loan. She wanted {$200.00} on a Visa card. She gave me # to call when I had it. Next day XXXX I called but had the wrong kind of Visa. Wanted XXXX XXXX. Next day XXXX I called back. They wanted pictures of card, packaging and receipt. Sent. Money taken from card that day. No loan received. Refused to let me talk to loan department. Called daily many times and hung up on every call. Today demanded my {$200.00} back. And they continue to hang up on me. 
Please contact for details. XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXERVICING-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXBalance {$1700.00} XXXX XXXX XXXXXXXXBalance {$2600.00} XXXXBalance {$2600.00} XXXX XXXXBalance {$860.00} XXXX XXXXXXXXBalance {$460.00} XXXXBalance {$1000.00} XXXXBalance {$9200.00} XXXXXXXX XXXX XXXXXXXXBalance {$0.00}
Consumer complaint received 2021-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I have been having difficulties with Mr. Cooper since XXXX and finally had resolution in XXXX but I'm having difficulties again. I make partial payments for my mortgage, first payment last week of previous month and the XXXX payment the first week of the month due and they continue to misapply my payments and now charging me finance fees because they will not move my payment out of other and into principle/escrow accounts. I have spoken to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they haven't moved my payment to the correct accounts. I have health issues and I shouldn't have to deal with incompetent customer service reps and fear that my principle and escrow are incorrect due to their incompetence. Mr. Cooper will say since I make partial payments it isn't up to them to apply it correctly, their computer does it but after several phone calls you would think it would be fixed