davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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. (CA)

XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX/ XXXX- Inquiry XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX/ XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX - Inquiry - XX/XX/XXXX XXXX XXXX inquiry -XX/XX/XXXX EQUIFAX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX  XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX XXXX - Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX I mailed letter to each bank requesting proof of inquiry, and verification of my signature however no response has been received. I am unable to contact each bank by phone as they report they can't verify my information via telephone. All attempts have been made with no success. Please advice what to do next. I have no accounts related to inquires made with out my consent.
Consumer complaint received 2021-01-13
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. (CA)

XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$170.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hello, I have submitted several disputes over the past year and a half. None of the credit bureaus will update my car loan information. Due to the cares act and a one moment extension I requested, the credit burns failed to report the last year and a half of on time payments, I have submitted emails, called, filed several disputes even faxed the data proving I made my payments yet the bureaus all refuse to update this information. This is holding at least 10 maybe more points from my credit and is honestly a crime that they will not update the information. Please help! 

regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
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: Radius Global Solutions LLC (VA)

I have a XXXX  XXXX account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of Radius Global Solutions. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my XXXX  XXXX account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from Radius Global Solutions on behalf of XXXX XXXX. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

Hello : We refinanced our home in XXXX of XXXX with Santander Bank ( which lended and serviced our old mortgage and new mortgage ). At the time of our refinance, we were informed in the closing disclosure documents that our Escrow balance was close to {$2000.00}. From our own look at the sparse information available to us XXXX our monthly mortgage statement ), we know that on XX/XX/XXXX, there was {$2400.00} in escrow. On XX/XX/XXXX, Santander paid our quarterly city taxes, an amount around {$2000.00}. That should have still left {$440.00} in our account, PLUS, the escrow payment we made on XX/XX/XXXX in the amount of {$890.00}, bringing the total escrow balance on XX/XX/XXXX to around {$1300.00}. We received a check in late XXXX for {$190.00} that supposedly satisfied our escrow balance. Therefore, we believe that we are owed approximately {$1100.00}. ( Note that we are attaching our XX/XX/XXXX Mortgage statement as well as our mortgage payment breakdown ). 

In XXXX, when we received this check that was far less than what we are owed, we spoke to the mortgage officer, to our local banker, to multiple people in customer service. They put us off repeatedly, telling us in XXXX to wait until XXXX to receive a mortgage escrow analysis. The escrow analysis did not turn up the missing money. We called multiple people AGAIN to ask for a detailed month by month accounting of how much was in our escrow for XXXX, and Santander has not given us that information, even though we have called to request it multiple times. The most they have given us is a general statement of the amount we paid INTO our escrow each month, not a full accounting of what was taken out, what the balance is, and what we paid in. We want a detailed accounting of our escrow account ( what was put in and taken out ) for all of XXXX and XXXX, so that we can see the exact amount owed to us. We then need a refund of that amount back to us WITH INTEREST. The fact that there is no transparency on this is very disturbing to us, and we are planning to move our money away from XXXX in XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (GA)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-06-29
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. (IN)

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, has violated my rights.

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 an 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 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Service Center, Inc. (PA)

This account popped up on my credit report and ALMOST cost me a mortgage ( and DEFINTELY increased many costs associated with it! ) I didn't even know what it was, but ( after dpomg research extensive research with my insurance company -- who was AMAZING! ) I found out that it turned out to be a medical collection for my son 's treatment in the previous months and that it was NEVER submitted to insurance, despite them having the insurance information on file and NEVER contacting me ( the creditor admitted this. ) This cost me a lot of money and almost jeopardized the closing of my first home purchase. I contacted the creditor multiple times ( mainly spoke with 'XXXX  ' the 'credit reporting 'manager ' ) -- and after spending HOURS on hold -- and being ASSURED that, while their 'back office ' did not have a phone number, they were 'PRIORITIZING ' this complaint and someone would reach out to me within 24 hours ( this was back in XX/XX/2020 -- have never received a call-back, and have called in 15+ times ) nothing was ever done. Please help!
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I sent a validation letter to Enhanced Recovery Company ( ERC XXXX on XX/XX/2020 and mailed it certified. I tracked the letter and noticed ERC received it on XX/XX/2020. This letter was in reference to a XXXX debt totaling {$1700.00} I finally received a response in XXXX, however, I noticed the correspondence was postmarked on XX/XX/2020. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation within 30 days.
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

Ive been paying $ XXXX/month for a repossessed vehicle. I have not worked since XX/XX/XXXX due to hospitalizations and illness. I have nothing left to live on and it is very unfair. Im no longer working so there isnt anything to garnish. Im not eligible for unemployment so Im relying on others for assistance with necessities, my account has even been over drafted multiple times as a result of the $ XXXX/month. Ive contacted the number on the description, but this has been going on since XX/XX/XXXX if Im not mistaken. Someone please help me, I feel like Im drowning.
Consumer complaint received 2021-01-14
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. (MD)

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Consumer complaint received 2021-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2017-03-29
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have sent SEVERAL certified letters to Portfolio recovery that I can prove that was signed for asking for proof of the amount of debt owed for this loan. They continue to send me original purchase documents from the day that the vehicle was purchased rather the the final sale documents from which the car was sold at the auction. I was never provided with the date of sale or the sale amount of the car from the original creditor XXXX from which has been deleted from my credit report as they were unable to provide me such documentation. Portfolio recovery has purchased this 6 year old debt from a 3rd party source and is now trying to collect from me, but unable to provide me with information that I am requesting.
Consumer complaint received 2023-06-28
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. (FL)

My name is 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 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 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Paramount recovery Systems I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Our property taxes have STILL not been paid out by our escrow despite a previous complaint that I filed in XX/XX/XXXX. They took money out of our account and paid to the wrong tax parcel ID. I spoke to them about this over the phone and they told me on Monday that it was fixed however we still have a pending bill with our county showing we still owe. I need this rectified as soon as possible as taxes are due XX/XX/XXXX.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (NC)

XXXX has been working on my behalf to dispute and remove accounts with National Credit System. The account has been paid for over a year and they are still reporting to XXXX bureaus. I called today to try and dispute over the phone and they told me to send a removal letter instead of a dispute letter like they have on file.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. 

XXXX XXXX
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (WI)

I filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}
Consumer complaint received 2021-01-14
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)

I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX, Reported : XX/XX/2020 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I mage a typo while requesting a bill pay check. The amount was suppose to be {$1200.00}, I forget to add the decimal and requested {$120000.00}. I immediately went back in to bill pay cancel it and request the right amount with 5 minutes. On Monday I realize that I didnt have access to my online banking. I called Regions bank and was transfer to e banking fraud department. The gentleman kindly explain to me that the problem was the check where I made a typo. He restored my banking privilege and said that my bill pay should be back up in 5 to 10 minutes. Since then nothing. Everything is bouncing. My credits cards are freeze because of return payments. I do not have access to my account. I have called several times with no success. Went to the branch. I filled out all the paperwork and I still do not access to my bank account. This is so frustrating for a simple issue
Consumer complaint received 2021-01-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I, XXXX XXXX, entered into a consumer credit transaction with Bank of America on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I, then received a bill which is a violation of 15 USC 1692B.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (TX)

I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.