davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lending Club Corp (VA)

Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX  and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends. 

The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.
Consumer complaint received 2021-08-07
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. (MN)

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my XXXX, Experian and XXXX XXXX credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Capio Partners, LLC (NY)

I went to check my XXXX XXXX statement and it said that I had an account out of Texas for a Capios LLC I am not familiar with that. I do not live in Texas I live in New York someone got my information from me for a job interview over the phone and I tried to report it then and for some reason it still went through even after I made a report of identity ThEft
Consumer complaint received 2021-07-27
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. (PA)

I am a victim of identity theft. Due to a data breach with A old company that I was with. Now my understanding is that your company just want through the same challenges in 2017 and a lot of your consumers were face with fear and uncertainty with there future. I am facing those same feelings because I have accounts on my report that are fraudulent that shouldn't be there. Im unable to purchase a home for my family because of this tragic situation that took place. I did my research and according to the FCRA all accounts that are fraudulent must be blocked and removed within 4 days or your company will be violating the law that was put in place to protect us consumers from atrocities of this magnitude. Justice is what I ask for, I am a victim who needs peace and prosperity.

My family depends on me. I have attached the FTC report, notarized affidavit, proof of ID.

XXXX  Bless You.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

Aldous & Associates are representing XXXX XXXX  for a debt they claim I owe from XX/XX/XXXX. I cancelled my membership by calling the store in XXXX of XXXX and so should not have been charged the XXXX billing. I never received a phone call, e-mail or written letter from the legal firm and only found out about the debt being charged when applying for a home loan. I called Aldous & Associates and they did not give me enough information and refused to explain policy. They shared they tried to contact me and when they shared the information they had on file, the phone number and the e-mail was not correct, therefore, I never received any notice. They did not share details of my account and did not offer to send me a verification letter. They pressured me to just pay and kept hanging up the phone on me if I kept asking questions and not paying. I paid the debt but now realize that I shouldnt have and should have disputed it and will. Today is XX/XX/XXXX. I found out about the debt today. They sent it to my credit report on XX/XX/XXXX. The XXXX account charge was from XX/XX/XXXX when COVID hit. I cancelled my account with XXXX in XX/XX/XXXX so should not have been charged.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Addresses and name on my credit report are incorrect. I do not live, or have i lived at those addresses. I will attach proof of my electric bill, showing my name and address. i do not live in Michigan.
Consumer complaint received 2021-07-27
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: Mr. Cooper Group Inc. (LA)

I've tried numerous times to have Nationstar dba Mr. Cooper mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/XXXX. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.
Consumer complaint received 2021-07-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc. (TX)

This company obtained all my financial banking information including access to my bank account number, banking transactions and my debit card all before approving loan. 

They are refusing to remove my personal information from their system although I did not obtain any loan from them.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

I opened my account on XXXX XXXX XXXX  at the branch in XXXX, TX. 
Since then i been sending several emails to the banker to have the Online ID to enroll in online banking without having an answer. Please send me to my mailing address on file the PNC Online banking user ID to enroll in that service.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On numerous occasions I have requested that my personal information be updated and included proof, as I only report my name one way EVER! 

I have never gone by any variation of my name other than XXXX XXXX. 

I have never reported to any creditor, bureau or legal entity, my name in any other way.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am filing a formal complaint against Equifax for their failure to respond to dispute letters that I mailed on XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX IL XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX inquiry, and incorrect names and addresses. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. However, I did not receive any response from Equifax with investigation results, despite mailing two separate dispute letters. 

Enclosed with this complaint are copies of the dispute letters I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to conduct a proper investigation.
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten Into the hands of the wrong person.
Consumer complaint received 2024-02-06
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( Date ) XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following.. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : Name : Full Address :
Consumer complaint received 2023-06-07
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

In XXXX of 2020 me and my husband tried applying for a refinance on our home to get extra money to finish construction work on our home. A part of the application process was having a appraisal done on our home in which we paid Citizens {$530.00} on my XXXX  card and someone did come out to our home around the first week of XX/XX/2020 to have it appraised. The appraisal we found out from Citizens ( XXXX XXXX was our loan agent ) that it didn't appraise out and that we could not get any extra money. We never did get a copy of the appraisal and now Citizens is saying a refinance was never done and they do not have a copy of that appraisal done in 2020. I have made a dispute with my XXXX  XXXX  due to paying for the appraisal with the card. They can not get Citizens to respond to the dispute. I have recently filed complaints with the XXXX XXXX XXXX, Bureau of Financial Institutions in Virginia ( that is where mortgage is out of ), Missouri Division of Finance, CAG, Helpwithmybank.gov, and the Missouri Attorney General 's office.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  and transunion are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. XXXX  & transunion have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. XXXX  and transunion must do the same since there is no bankruptcies to verify.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

NOT MINE FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Post office box XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family WRONG NAMES XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
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. (FL)

I sent couple of letters to Transunion and XXXX to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in XXXX and Transunion. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with Trans Union, XXXX, XXXX they also have records and files the is wrong.
Consumer complaint received 2021-08-11
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 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress 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 2021-08-11
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. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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 ( b ) Reasonable procedures 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, personnel, 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 subchapt
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (MD)

I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %. 

When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial. 

Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments. 

Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.