davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-06-27
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)

In the process of my spouse not working due to the pandemic we had to do a Forbearance and later a loan modification. The credit bureau is showing we have late payments on our accounts. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881. 
XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX- Account XXXX XXXX Experian XXXX XXXX XXXX XXXX-Account # XXXX 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 a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 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 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I already have a complaint  XXXX  on file and it was closed based on the response from Bank of America. They state we filed for Bankruptcy and that 's it. Bankruptcy was closed and the application  for Home Modification ha s taken place AFTER the Bankruptcy, for more than a year we tried to get a modification and BOA just kept stalling and demanding a payment of tens of thousands of dollars to stop the foreclosure during the modification process. The Bankruptcy ended  XXXX   XXXX  and they home was sold  XXXX   XXXX , DURING THE MODIFICATION PROCESS.
Consumer complaint received 2023-05-21
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: OneMain Finance Corporation (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX ONEMAIN Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VW Credit, Inc (NV)

On XX/XX/XXXX, there was an unauthorized charge of {$250.00} by Audi Financials on my checking account. I contacted the Audi XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX, ( XXXX ) XXXX immediately to try to understand the charge. I left messages with their Financing department and General Manager, but no one has returned my call or reach out as of today. This is a big concern because my XXXX Audi was paid off in full five years ago, and Audi USA notified their customers last year in writing that there had been a database breach. With no help from Audi XXXX XXXX, I contacted my credit union to put a stop payment on the check and reported this incident as a fraudulent charge. And I dont understand why a cancelled check can be redeposit again after five years. 

Currently, I have no loss of money but want to know what had occurred, and what Audi Financials will/can do to safeguard my information. Thank you for your assistance.
Consumer complaint received 2021-11-24
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. (TX)

I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2023-06-27
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)

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881. 

This is inaccurate. Please remove these errors from XXXX, XXXX, and Experian that shows we have been late. 

Account # : XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/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 a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 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 2021-11-24
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. (PA)

This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But XXXX XXXX XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.
Consumer complaint received 2023-06-27
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. (TN)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2023-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.
Consumer complaint received 2023-06-27
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. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-12-17
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: Pendleton Capital Management (MO)

Pendleton Capital is harassing my family and wont stop calling, they failed to initially notify me via mail and on the first point of contact they elected to threaten to file service and suit rather than send a paper copy of the letter. I had requested verification of the debt and the agent elected to create a false sense of urgency to deny sending me the debt verification
Consumer complaint received 2017-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

This company is reporting a collection on my credit reports that I have no knowledge of and they have n't provided me any information to what it 's in regards to. I sent them a debt validation letter once I noticed the collection on my reports and have yet to receive any correspondence from them, including the certified mail return receipt. I know my rights as a consumer and they have broken laws that are under the FDCPA, and I wo n't hesitate to pursue litigation against them.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Northeast Collection Bureau (MO)

I have never heard from or of this company and this message was left on my voicemail : We have made several attempts to get in contact with you regarding the pre legal matter We suggest you do not ignore this notice press 1 to speak to an associate now or contact this office immediately at XXXX if you have retained the services of an attorney you may have your counsel contact this office on your behalf this communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-11-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Citi Management Group, LLC (TX)

Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.
Consumer complaint received 2021-12-17
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.
Consumer complaint received 2023-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I received XXXX letters from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX confirming that my TEPSLF application had been received. I called them to confirm the next steps and was told that the loans would be transferred from XXXX to Mohela and that it could take some time. I received a letter on XX/XX/XXXX from Mohela confirming that the loans were transferred due to a TEPSLF application being submitted. I called in XXXX of XXXX to get an update, but was told by Mohela that the loans were still not viewable in the online account. I called this morning and was told there is no record of my TEPSLF application and that I should re-submit. The waiver to apply ended XX/XX/XXXX.