davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (GA)

Under multiple U.S.codes the credit reporting agency/agencies have neglected to do a proper investigation and it is hurting my credit report and making it impossible for me to get things needed for me to live it is against the law for them to not do an investigation when asked and not remove the items that werent mines and failed to send me anything showing were a investigation of any kind was actually done on my behalf I ask for the cfpb to handle the his mishandling of my credit report by the agency equifax I disputed a inquiry XX/XX/2022 and got the results back XX/XX/2022 I need proof that an investigation was done I need proof that this is accurate and they refuse to do so I also read the law that states its a XXXX dollar fine for the mishandling of my report on each account that hasnt been investigated please help this is hurting me in multiple ways from being a provider to my family and costing me a lot of money due to the fact that things arent being handled by the reporting agencies.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I signed up for a PayPal business account, and the signup process went very smoothly. However, once the processing was complete, I received a notification as part of the CIP program stating that I needed to get my identification approved in order to start using my account. 

I made several attempts to upload the required documents from my end, but despite my efforts, I couldn't find a solution. I called support and explained the entire situation so that my issue could be resolved promptly. 

The limitations department informed me that I needed to send them my PHOTO ID, Social Security Proof, and Utility Bill so they could fully verify me and onboard me properly. 

Unfortunately, after checking my email today, I was deeply saddened to find out that instead of approving my account, it was permanently restricted for no apparent reason. If my information isn't being verified, then what's my fault in this? 

I kindly request the management to manually and properly review the relevant documentation I submitted and make the decision that is best for my account. 

I'll be waiting for your positive response!
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (VT)

To Whom It May Concern : Please note that VW Credit is denying letter of travel to XXXX from XXXX. 

It is not stated in my lease agreement, and I have submitted proof of insurance for both XXXX  and XXXX. 

I am a XXXX  resident. 

Many thanks, XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STEWARD FINANCIAL SERVICES LLC (NJ)

The vehicle was taken over 18 months ago, and was sold yet the balance is still showing on my credit report for the remaining balance that I owed which is {$14000.00} yet I brought the car for {$15000.00} and made payments on the car for over 2 years. Steward Financial Svcs is a rip off finance company. The took the car that had my pocketbook in it with over {$10000.00} that belong to a friend.
Consumer complaint received 2017-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MA)

I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I XXXX XXXX, tried to obtain credit report from credit bureau XXXX/XXXX/2016, but Experian credit bureau failed to probate it for second time via internet. I recently applied for a house hold good and it was denied base on Experian credit report on file and encouraged myself to review the file and be aware of what 's being display in my credit file. By law I have the right to obtain my credit file and verify the information bureaus are displaying is accurate or correct and that the decisions made by the merchants or bureaus are not based on my XXXX religion, my XXXX appearance, or simple because the bureau failed to encrypted and properly allow the system to reach it. It sounds cold but when they turned you down because of this decisions mentioned above sounds like the Law is being broken.. 

Thanks XXXX XXXX
Consumer complaint received 2019-11-23
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. (PA)

I am writing this due to non compliance with the XXXX XXXX, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-28
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. 15 U.S. Code 1692g Validation of debt Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 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 : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2022-05-28
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)

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX Bal {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX Bal {$6600.00} XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX  Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Consumer complaint received 2022-05-28
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. (CA)

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX Bal {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX Bal {$6600.00} XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Consumer complaint received 2022-05-28
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it XXXX concern, XXXX writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting JPMCB CARD Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-05-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # U S DEPT OF EDXXXX 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 a account without my written instructions
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (IL)

It appears that the Company Hunter Warfield have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX  XXXX XXXX ( XXXX ).
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I requested information from this company to understand the interest and make plans to pay the loan off in full early. However, I have not received information to allow me to pay the remaining balance or to determine what the balance will be as an early payoff.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # U S DEPT OF EDXXXX 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 a account without my written instructions
Consumer complaint received 2019-11-23
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. (PA)

I am writing this due to non compliance with the XXXX XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I called the XXXX collection agency about a collection that was on my report I advised them that this account should not be in collections because I was on XXXX XXXX and had got orders to move and had to leave my apartment I did give the apartment a copy of my move orders but they still sent me to collections with out telling me what it was for I asked about disputing it and basically was told it was on my credit report and I would need to pay it it I asked about my options and was told I could make a payment, I was advised that I could settle the account or pay in full the difference was if I settled it would show settled for less on my credit report and if I paid in full then it would be deleted, I went online on XX/XX/2020 and paid the balance in full. the account is still on my credit report as of today and I called on XX/XX/2020 and spoke with a manger and he said he would get back to me and never did and he did not correct the account, I payed the balance in full because of the deletion agreement he said once the payment cleared the account would be removed in 30 days
Consumer complaint received 2017-07-15
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)

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Consumer complaint received 2022-05-28
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. (CA)

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX XXXX {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX XXXX {$6600.00} XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CA)

My mortgage loan was transferred from XXXX XXXX to Axos Bank effective XX/XX/XXXX. I have always paid every mortgage payment on time, and I made the final payment to XXXXXXXX XXXX  on XX/XX/XXXX. However, despite numerous attempts to rectify the problem, Axos Bank still has not posted the XX/XX/XXXX payment to my account. Axos Bank continues to send me statements claiming my account is past due, when it is not. I have tried calling Axos Bank, but they leave me on hold forever. I sent an email to XXXX  on XX/XX/XXXX, but got no response. Then I sent a Qualified Written Request letter to the proper Axos Bank address on XX/XX/XXXX, but have received no response. Both times I attached documents proving that I made the XX/XX/XXXX payment ( same documents I am attaching here ).
Consumer complaint received 2022-09-13
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. (FL)

XXXX XXXX is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.
Consumer complaint received 2022-05-28
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: Advanced Resolution Services Inc. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 
Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.