davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Caliber Home Loans, Inc. (FL)

As of XX/XX/XXXX, XXXXThe mortgage company Caliber Home Loans is reporting that the mortgage on my wifes XXXX  credit report is closed as of XX/XX/2021. 
XXXX  does reflect that she has a mortgage at all. XXXX  has the mortgage but the last month it last month that is was updated was XX/XX/2021, and the mortgage up to date. Also XXXX  is not showing on my husbands credit report.
Consumer complaint received 2021-08-06
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)

XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX  and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2023-05-09
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-07-30
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. (NY)

I have always maintain a perfect payment history, no collections have been reported, I'm normally in a XXXX are higher range with my credit, inaccurate balances were reported on my credit for 2 minutes and when I paid a {$32.00} dollar balance off on one of cards that I consistently use each month, my score drop 30 points! I have not been able to purchase a car, a house without horrible interest rates because of my low score. I have no late payments, my balance is always under 30 % but for 8 months now I been having problems with this credit bureau.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (UT)

Debt was for repairs done to a home after a water leak. The company who did the work ( XXXX ) and XXXX were disputing the final amount for the repair. The final amount of the invoice was decided on XXXX. An invoice was sent several weeks later and the balance was sent on XXXX, email communication with XXXX XXXX, president and owner of XXXX confirmed the balance was paid on their end as of XXXX. 

Kinum, a debt collection agency, then contact me via letter dated XXXX and received XXXX. I called Kinum and spoke to a woman who did not give her name who said they were first contacted by XXXX  XXXX and asked to collect a debt in the amount of {$2100.00}, I explained that the amount of the repairs was not decided on until XXXX and it was impossible for them to have been given that number in XXXX. I then asked if they had done a debt verification and if so on what date it was done, she then refused to answer and directed me to contact XXXX, which I had already done. 

I believe a reasonable person would interpret the statements made by the Kinum representative as false and inaccurate and in violation of the Fair Debt Collection Practices Act. I would like to stress that I believe XXXX did not intend for the paid debt to go to collections and they will correct that issue, however this complain is pointed solely at Kinum who has not complied with federal regulation regarding their attempt to collect a debt that does not exist.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : I C SYSTEMS / XXXX XXXX XXXX XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE I C SYSTEMS.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We were first time home buyers through XXXX XXXX Loans and made our first monthly payment on XX/XX/2021 of {$2200.00} then our loan got sold to Loancare who has since lost our payment and is stating I am delinquent on my account. I have given them all of the information they are asking for and they still have not fixed the issue and keep giving me the run around. This is the absolute worst company I have ever had to deal with. I just want my payment to go through so I can finish paying my mortgage payments on time like I was trying to in the first place. This is ridiculous.
Consumer complaint received 2021-07-30
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. (TX)

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Consumer complaint received 2021-07-30
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. (TX)

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XX/XX/XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX  XXXX- XXXXUNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (IN)

My father arranged the money transfer through a friend that he knows in United States. His friend deposit the amount of {$6800.00} in the forms of money order to my Chase Bank account on XX/XX/XXXX of 2020. Within a day, Chase notified me with a letter stating that my account at Chase will be closed unless we called the number that they provided and able to provide the information they need to keep the account and money. I called the number and they asked for the receipt of the seven money orders which amounted to {$6800.00}. Receipts I can not provided at the time, leads to my account closure and money confiscated after a few weeks. Chase still had my account blocked and the remaining of my funds, which was not withdraw at the time, including the {$6800.00} deposit to this day.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (OK)

Santander is reporting that my client still owes a balance, and the account got placed for collection status. My client was trying to get financed for a home, but this debt is preventing my client to get the necessary financing. On XX/XX/XXXX I sent a certified letter to get verification of the amounts that Santander claims that my client owes, as of today XX/XX/XXXX we have not received any response. 

In the certified letter, I attached a POA, tracking number # XXXX.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (TX)

equifax and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history XXXX XXXX XXXX ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

On XX/XX/XXXX I did two money orders and the lady said it didn't go through so she told me to swipe again and it went through so on XX/XX/XXXX I got charged again for the same amount of the money orders and I've been trying to dispute these last two transactions from the XX/XX/XXXX and I keep getting hung up on or put on hold no one will answer why they took my money twice!!!
Consumer complaint received 2021-07-30
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and equifax report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. XXXX  is showing no payment data. Equifax is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. Equifax is showing 3 accounts late as well as XXXX. But under Equifax and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.
Consumer complaint received 2021-08-05
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. (AZ)

These are snippets of our conversation my recorded call is two long as it went on for 36 minutes equifax already admitted to not having such written concent by me the consumer to furnish i demanded for deletion they said they have no power to do that but they have the power to furnish on my consumer report with out my written instruction because somebody else told them too. You guys are suppose to respect my privacy 15 usc 1681 ( 4 ) I the consumer have the right to privacy. 15 usc 1681 b ( 2 ) you have to have my written instruction to furnish anything you guys have failed and is a individual action
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX 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 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 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2019, I fell at work and was off because of the XXXX. The Creditor Victoria Secret credit card was calling my employer and giving my boss information that I was behind on my payments, what I owed and the min. payment. I was not late and the payment and dates did get matched together. I guess they kept applying the payment to the previous month. 

I am upset and have closed the account because of the disclosed information to my employer. If they could not get a hold of me, they should have sent a letter. My personal information should never be given to anyone. 

When I complained to the " Manager '' they said they have the right to call my employer. I informed him that he could not give out my personal information to my employer. 
I closed the account in frustration. I later opened a second account, but this practice is against the law. What can be done?
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (AZ)

I rented an apartment from XXXX XXXX ( part of XXXX XXXX ) I paid the move out fee and asked for a detailed statement of charges. Due to many accounting errors, a claim was made that I owed {$220.00} dollars and and I was sent to collections ( rent recovery in XXXX ) XXXX XXXX from XXXX finally determined that not only did I not owe them any money, but they in fact owed me {$230.00}. They incorrectly sent me a check for {$13.00} and a follow up check was sent for {$220.00} Rent Recovery closed the account but refuses to remove the derogatory on my credit. ( this has caused over 100 point drop in my credit score for a debt that I do not owe. )
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi Unknown COLLECTION IC SYSTEM-acct # XXXX for {$410.00}???!!! ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.