davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC. (TX)

I received a letter stating that my debt was placed at their agency and I could set up payments or pay in full and only pay 50 % off the original debt - when I called ( on XX/XX/2018 ) it didn't sound right and I vaguely remembered paying this EXACT debt to the original collector about two years ago. 

I called where the original debt was owed and reminded me of the agency it was sold to and told me this letter was not part of their collection efforts. 

I called the company and told them over a recorded line to stop calling me and sending me letters that this was basically a fraudulent effort to get a debt that is no longer owed. She hardly let me get a word in and kept asking who the other company was - I told her I am not obligated to give her that information and they are not the ones who own my old debt that was PAID and to stop calling and sending letters.
Consumer complaint received 2018-09-17
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. (TX)

I have submitted numerous disputes with XXXX, XXXX, and Experian about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

US Bank did not notify ( phone or mail ) that my account was negative. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 and three times I was told my account was current and not 30 days late. I was told I had to pay to the {$950.00} to bring my account current. {$950.00} is my monthly payment.
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted numerous disputes with Transunion, XXXX, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

Sent adverse action letter, Customer Identification Program ( CIP ) printout, Federal Reserve Act Section 16, a Power of Attorney ( POA ) form giving power to the agent of the principal 's account and Instructions to the CFO of American Express Credit Card Division, instructing them to extend a line of credit to the principal 's account and to respond in writing giving reasons for non performance of fiduciary duties and breach of contract if instructions are not followed. I sent these documents by certified mail on XX/XX/2023. I allowed 5 days to respond and have received nothing as of the time of sending this complaint.
Consumer complaint received 2019-04-25
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: CarMax, Inc. (LA)

CARMAX XXXX XXXX IS REPORTING A UNVERIFIED ACCOUNT TO MY CREDIT REPORT. MY LAWYER AND I HAVE REPEATEDLY ADVISED THEM TO VERIFY THE DEBT THEYVE CLAIMED I OWE TO THEM. 
NOW THAT I HAVE MY LOCAL POLICE DEPARTMENT INVOLVED, I ASSURE THEY DO NOT WANT TO FALSELY CONTINUE TO VERIFY A ACCOUNT. 

THEYVE REPEATEDLY SENT ME ( STATEMENTS ) DEMANDING I PAY THEM AN AMOUNT TO SETTLE THE UNVERIFIED DEBT REPORTING TO THE CREDIT BUREAUS, YET HAVE NOT SENT ME THE DOCUMENTS IVE REQUESTED. 

IVE NEVER CONTACTED CARMAX XXXX XXXX FOR A CAR LOAN, I ONLY HAVE 1 VEHICLE WHICH IS FINANCED THROUGH MY CREDIT UNION, WHICH OBVIOUSLY SHOWS 100 % PAYMENT HISTORY. 

CARMAX XXXX XXXX NEEDS TO PROVIDE ME WITH THE FOLLOWING ITEMS OR DELETE FROM MY CREDIT REPORT : 1. Signed contract with my signature agreeing to pay them.

2. Information used to be approved for their loan 3. Employment information used to be approved for the loan 4. What vehicle was financed.

5. Where was my information taken.

6. who signed my name on the contract.

PLEASE DO NOT PROVIDE ME WITH ANY STATEMENTS WITH MY NAME ON THEM, NOR ANY IDENTITY INFO FOR VERIFICATION SUCH AS : name, address, date of birth or social security number. Im assure you are aware of the amount of identity theft there is in the country.

I DEMAND REQUEST FOR SIGNED DOCUMENTS STATING I AGREED TO PAY CARMAX XXXX XXXX OR ANY SIGNED CONTRACTS I HAD WITH THEM OR PROMPTLY STOP REPORTING TO THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, XXXX   ) THIS UNVERIFIED ACCOUNT IS PREVENTING ME FROM LIVING A FAIR LIFE. 

PLEASE PROVIDE ME WITH THE CORRECT VERIFICATION PROVIDED OR I WILL USE LEGAL ACTION IN COURT WHICH IS AWAITING!!!
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CT)

Barclays Bank continues to submit inaccurate derogatory ratings to the 3 credit bureaus. They are stating that I am 30 days past due in XXXX. That information is inaccurate. I paid the monthly amount month over month until I paid the account in full in XX/XX/2023. I made good faith payments every month. Also, they were unwilling to work on other matters as well. I put in disputes with all the credit bureaus and as soon as its fixed, Barclays sends out another inaccurate rating and balance due again and my scores go back down. The account is closed. They need to stop sending credit updates ; its paid in full and its closed. I want them to stop doing this to me.
Consumer complaint received 2019-03-31
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: Experian Information Solutions Inc. (CA)

I have disputed the accuracy of items being reported on my credit report by XXXX, XXXX and Experian. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages
Consumer complaint received 2019-02-07
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: EQUIFAX, INC. (NC)

I was exposed in the Equifax data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX  AS WELL.
Consumer complaint received 2022-02-16
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)

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IN)

Our mortgage loan was bought by PNC XXXX  years ago. After paying {$5100.00} towards my mortgage balance of {$5100.00} I have through PNC, Statements show I still owe {$380.00}. After discussing this with several PNC representatives, no-one seems to know what the XXXX dollars is for except that I need to pay it. 

My calculations show I owe PNC XXXX XXXX. I worked very hard and made so many sacrifices to get to this point. 

Please assist.
Consumer complaint received 2019-04-25
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. (TN)

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax is not removing this negative item and it is harming my credit score. Therefore, I am filing a new complaint against Equifax because I have tried to fix this issue with them and they are still reporting this. I have attached an audio file from the bank to support the removal of this item.
Consumer complaint received 2023-05-07
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. (FL)

on XX/XX/2023 conn 's company has been sending me a ledger of my account, as asked for by me.my last balance report on it to me {$760.00} and my credit report from XXXX XXXX and XXXX was $ XXXXthis company is not reporting the right amount to the credit bureaus XXXX XXXX and XXXX it does report to XXXX.to report to the credit bureaus the balance of the accounts is in the agreement that I sign for thats what I am asking for now to report the payments made on the account ending # XXXX all my poof information is sent by certified mail to C.F.P.B.
Consumer complaint received 2022-03-12
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. (SC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-17
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. (OR)

I went online for a free credit report with Transunion and their site kept giving me " bad URL errors and " could not complete request " errors. Then I called on the phone and completed a report order. I received a card in the mail stating that their records show I have already received my free annual credit report in the last 12 months. I have not requested one in over 2.5 years. I tried to call to find out about this since I believe my credit report was requested by someone other than me and they sent my credit to them. I could not get to any human to discuss this issue and the phone would hang up. I believe Transunion has serious security issues and the fact that our personal info is going to people overseas that work for them, doesn't help. My credit security is a HUGE issue, I have worked hard for good credit, I don ' need anyone messing with it and if they sent it out in the last 12 months, someone very well could be using it for their own personal benefit! But I can't get through to this company to get help and I am going to sit and wait for something to show up on my report and then have to go through a lot of work and everything else involved to fix it! THIS NEEDS FIXED IMMEDIATELY! Thank you
Consumer complaint received 2023-03-20
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. (VA)

On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX
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 — Information belongs to someone else
Company: U.S. BANCORP (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I paid the debt off in full to XXXX and I have not received an update to the three credit reporting bureaus that this has been paid in full. When I requested it from the company, I was told it would be reflected and resolved by now in my XXXX XXXX, XXXX, and XXXX credit reporting. It has not been fully resolved, though they have my account reflecting paid in full on their website.
Consumer complaint received 2023-01-27
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. (MD)

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. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : 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 a 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.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX XXXX XXXX.

Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically?

Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property.

The issue is that the holder of the note named by Ocwen as XXXX XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. XXXX asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX   XXXX  XXXX a division of XXXX XXXX  XXXX  involving an interest in real estate, land and building, immovable property.
Consumer complaint received 2021-03-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..