davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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. (VA)

On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on XXXX. The XXXX is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp. (OH)

This company is in direct violation of the truth in lending act governed by regulation Z, the fair debt collection practices act governed by regulation F, and the trust indenture act. This company had my car taken for an alleged debt that they have yet to provide me with documentary evidence that I own them. As the consumer I dont agree with these terms in the contract and I have questions due to not being able to take the contract home to review the contract before signing. So I asked the questions? What was the security that was given? Who is the seller? Who is the creditor? is the creditor shown clearly and conspicuously? Is this a swap based agreement pursuant to 15 usc 77b-1? How is loan defined under the FDCPA? What proceeds did I receive from southeast toyota finance for the purchase of my securities? Can you show me where South east toyota signed the agreement making in valid between the the creditor and myself? Do you agree this is a contract? If this is a contract is it not a federal violation pursuant to 15 usc 1? What legal and lawful right do you all have to come steal what does not belong to you? How much was this swap agreement purchased for? Was your goal to liquate my estate to help increase your profits since we are under XXXX XXXX bankruptcy? What is a trust indenture? What law says that I have to pay an alleged debt? Can you send me a original copy of the credit application? Who much fraud do you all need to commit before you return my property and title.? What form of payment do you all accept for payment that is not listed pursuant to 18 usc 8? What specific personal information was used to open this account? What is my social security number used for? Was this purchased made for bailment? Can you define consumer credit contract pursuant to 16 cfr 433.1?
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (HI)

Opened XX/XX/2017 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Information EOS CCA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance due is {$540.00} I was told when leaving the Hospital that there was no outstanding balance due because my health insurance covered the expense and all I had to do was pay a co-pay which I had done. I now noticed that they say there is still a balance due and it has been sent to collections, I have tried calling the creditor numerous times to understand and resolve this issue but have not been able to get in touch with them, and the voice mail message is for a different extension number. I am in need of help thank you.
Consumer complaint received 2022-12-01
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2022-12-01
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. (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are inquiries I did not give permission to do and respectfully request that they be removed XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES - need I say more. XXXX  buyers. 

Original creditor : XXXX XXXX  XXXX of proper account ownership trail, as usual. Their only claim of right to ownership is : " The original amount of this account was {$930.00} ''. What date was that? Was it the purchase date or payment date? Last activity is when the 7 year clock starts. 
No chain of legal custody of account provided by records custodian.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has submitted a debt twice the amount to my credit I gave disputed several times the amount is inaccurate XXXX insist and lie it is accurate no cell phone bill with all phones paid for can get to {$5000.00} they are scams and it shows they never sent or presented to me any bill close to the amount on my credit they have caused severe mental pain and anguish and the debt and their actions have caused me harm
Consumer complaint received 2022-10-15
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. (IN)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (KS)

Gateway Mortgage sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both XXXX and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to Gateway continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our Gateway mortgage as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and two mortgages which is false. 

A dispute was opened with XXXX on XX/XX/2023 and the letter from Gateway showing the sale of the loan was provided. On XX/XX/XXXX, Gateway knowingly, illegal, and falsely told XXXX that their loan with us was still open. XXXX denied the dispute and kept the information on our credit reports due to Gateway reporting all the information as accurate - open account. Additional information was provided such as the letter Gateway sent to our insurance company asking to be removed from our policy and they are no longer our lender. Gateway knowingly, illegal, and falsely told XXXX again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, Gateway refuses to provide an escrow statement after closing the account.
Consumer complaint received 2022-12-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IA)

Huntington National Bank was the holder of our FHA Mortgage when we sold our house at XXXX XXXX XXXX XXXX. They held an escrow account for us. 

When we sold the house and used the proceeds to pay off the mortgage, we overpaid by {$2500.00} on the balance ( due to an automatic withdrawal for the monthly mortgage payment ) and our escrow account had {$5300.00}. We were told that two paper checks would be mailed to our new address ( since we had moved ) within three weeks. 

The checks never arrived, so I called Huntington Bank in XXXX to find out where they were and have them re-issued. The mistake was that they had been mailed to the address of the home we had just sold, despite being provided our new address. We are unsure why they did not get forwarded to us by the USPS. 

So, we waited three weeks and we only received the {$2500.00} check from them, which we were grateful for, but we then called them in early XXXX to have the {$5300.00} check reissued. 

We waited three weeks for this and nothing arrived. So, we called again - it had gotten stuck " in the process '' and was never mailed. So, they reissued it, and we waited three weeks, and when we received it, it was again the wrong amount of {$2500.00}. So I called in the middle of XXXX to have the {$5300.00} check reissued again. 

It is now the middle of XXXX and we have again received another copy of the {$2500.00} check. I have called Huntington Bank to have them find some other way of getting us this money. They refused to a wire transfer or some other electronic money transfer because we do not hold a bank account with them. After requesting to speak to a supervisor, I was placed on hold for over 30 minutes - at which point I hung up. 

Please help us get our money - we need this.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-12-15
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I faxed American Express XXXX Team, an Government ID, a receipt with temporary card serial number, and my current address. Each time I call customer service they have an excuse as to why they can not process the replacement card for my lost card that has {$100.00} balance. The CSR always tells me the ID is wrong type, or the ID is not clear or the ID is dark. And they also said my address is not acceptable. 
I have repeatedly sent fax after fax with a different government ID each time. I have faxed a State college ID, and 2 Veterans ID Cards, all with pictures and personal information. 
I sent a fax onXX/XX/XXXX, and one on XX/XX/XXXX. 
In my opinion they are practicing fraud. In my opinion they are stealing personal information. 
They want all of my private information and do not give me the money that was refunded back to the card from XXXX XXXX XXXX, in XX/XX/XXXX. I demand the money be returned to me immediately. 
I have called over and over to try to get my money sent to me. 
I have paid for fax services FIVE TIMES. 
I have faxed XXXX XXXX at FAX : XXXX and have not received any response from the XXXX. 
I am paying for faxing and each time the incompetent XXXX gives me another excuse. 
I have told them I do not have any utilities in my name. I gave them my address from a shipping label that is from a package shipped to me. 
I am a XXXX veteran and I do not feel this company cares one bit about the customer and has extremely poor service. 
I do not have a permanent home. I want the cash money wired to me or mailed to my P.O. Box.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

anytime I file a dispute they tell me that I have to get a letter from another company. They make it impossible to dispute a transaction. CapitalOne never send anything in the mail about dispute but the bills come faithfully I switched from the Capital One card to the Venture and was told that I would get the annual fee refunded after 2 month I was told that there is no refund.
Consumer complaint received 2019-08-29
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)

I have a few accounts, including XXXX XXXX, XXXX, and XXXX that have been paid off and accounts closed. The report is showing current late payments to at least one of these accounts. Other credit reports do not have these accounts listed any further.
Consumer complaint received 2022-12-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My first letter went on XX/XX/XXXX and XX/XX/XXXX disputing a verified account on my credit report XXXX XXXX XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate and also the reported balanced owed change every month. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express Blue Cut My Credit Line From {$5000.00} to {$2400.00} For no good reason other then I happen to use my card a little more in a 2 Month periot then in had in the Passed .only to do work on my new condo This I belive Is a discrimination of my credit line and my personal life. 
By doing this American Express has cause my credit score to drop 60 Points ... 
Please note I have made my mountly payments on time all the time other then one time when my secetery used the wrong bank to make a payment was returned I noticing the problum I immediately rectified the mistake then made another payment the very next day. 
I will always cotunnue to make my monthly payment on time all the time And be a loyal card member to bad American Express Blue cand do that in return ... 
Point of information : I have double to trippiled my required monthly payment more then once and for this Im rewarded by having my credit line cut.. 
Not Fair.. 
I have closed this account but however the dropping of my credit line still remained on my credit reporting history causing my balance to credit line to go over 30 % and its because of that my credit score to drop Big ...