davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

During XXXX - XX/XX/2020 I was dealing with multiple COVID19 related family issues. During this time one of my electronic payments did not go through to my HELOC account that I have with Huntington National Bank. I am certain it was an error on their system but they keep telling me there is no evidence of it. They also keep saying I do not qualify for COVID19 related issues and that time period has passed. 

At the time I was unware that the payment did not go through. I did not find out there was a missed payment till I went to go back and pay next months payment. This missed payment went on my credit report without my knowledge. I have called Huntington to ask for them to remove it given the circumstances of COVID19 pandemic and their system error however they keep refusing. I worked over a decade for a good credit score and never had a missed payment. I now make 2 payments a month of the Huntington Account so they cant XXXX me over again. 

My original loan during that time was in forbearance to help me make sure I can make other payments for necessities specifically related to COVID19. On my mortgage I took out 6 month delayed payment plan because of this. I did not take out a delayed plan for a HELOC I have had with HUNTINGTON NATIONAL BANK because I thought I would be able to pay and keep track of those payments. I have and continue to make payments but keep getting denied any possible resolution from service agents for the Credit related miss payment. I have sent letters of goowill and get sent phone numbers to go right back to service agents who say " You're issue does not qualify for COVID19 resolutions '' or " You'll have to send a letter to XYZ address ''. I also get told to take it up with the Credit agencies because theres nothing they can do.
Consumer complaint received 2022-10-11
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. (VA)

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 XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX NEVADA : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX 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.

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 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received an invoice from XXXX  ( Invoice # XXXX, attached XXXX  Customs Invoice '' ) for duties collected regarding an item purchased overseas ( Seller : XXXX XXXX XXXX, Country of Seller : XXXX ). 

This item was found to be defective upon arrival ( see attached " XXXX XXXX supporting emails '' ). Subsequently, the item was returned back to sender and my purchase was refunded by the Seller ( see attached XXXX return invoice and " XXXX Refund for XXXX 55-135 '' ). Under 19 C.F.R. 158.12, Customs should reduce the declared value to reflect the latent defects and adjusted value that the shipper noted on the return invoice. 

I notified XXXX customs department of this issue on XX/XX/XXXX and to ask for a reduction of duty charges. I received a response from the XXXX XXXX broker 230 days later on XX/XX/XXXX stating they could not defer the duty payment. I contacted the XXXX XXXX broker to request a drawback on XXXXas instructed by XXXX XXXX and Tax customer service representative and Drawback Specialist at US XXXX  ( see forwarded email below ). I have not heard a response back from them as of XX/XX/XXXX. 

Due to the value of the returned item was XXXX Euro, which was stipulated by the seller, the duty collected on import should be {$24.00} in accordance with the exchange rate on XX/XX/XXXX ( HTS XXXX is XXXX Euro and XXXX XXXX is XXXX Euro ). 

I requested a drawback from XXXX multiple times the last of which was XX/XX/XXXX. I have not heard a response as of XX/XX/XXXX. 

I have saved emails of my attempts to contact the various entities within XXXX customs/duty to resolve this issue.
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED ( XXXX ) ACCOUNT, NOT MINES AND PAST STATE ( GA ) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; ( 4 ) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA ... NOTE : ID FRAUD AFFIDAVIT WAS FILED WITH FTC # XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (NV)

Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (TX)

I HAVE SUBMITTED MULTIPLE ROUNDS OF DISPUTES, SPEND TONS OF MONEY TO ENSURE THE FRAUDULENT ACCOUNTS ON MY CREDIT ARE REMOVED, UNFORTUNATELY THEY HAVE NOT BEEN REMOVED. PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE PROVIDED ALL THIS INFORMATION EVERY DISPUTE, WITH ZERO RESULTS. I WILL BE GETTING A LEGAL ATTORNEY!
Consumer complaint received 2022-07-06
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ) 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 a account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a Dispute to Transunion on XX/XX/2022 with following disputes on XXXX XXXX XXXX and XX/XX/2022 I have not received any results or method of investigation, the company also fail to add " remarks " on the account that is been on outgoing disputes. instead a received a automatic letter that make no sense, see attached See attached dispute letters.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence.

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Consumer complaint received 2023-12-30
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. (MO)

This is still how screwed up my Experian account is and they refuse to fix anything. In the screen shot below you can see Experian has XXXX XXXX accounts with different amounts only problem is its the same account I ONLY HAVE XXXX XXXX ACCOUNT ENDING IN XXXX and once again they say they fix my account and give me my real score if I pay them and that's the text book definition of EXTORTION
Consumer complaint received 2021-08-26
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. (NV)

I haven't received a response from ( EQUIFAX ) in over 30 days. They are reporting inaccurate information on my report. ( LATE PAYMENTS ) EXPERIAN and TRANSUNION WERE UNABLE TO VERIFY THESE ACCOUNTS AND REMOVED THE LATE PAYMENTS. ( EQUIFAX ) IS THE ONLY BUREAU REPORTING INACCURACY. 

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 

Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. 

If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I, XXXX XXXX XXXX, am writing this pre-trial letter as a last and final attempt to settle the matter of my PayPal Account Funds My account was permanently limited in XX/XX/XXXX, After that I was ensured by PayPals Office of Executive Escalations Representatives ( XXXX and XXXX XXXX that I will have my funds available to withdraw by XXXX XXXX, XXXX. 

On XX/XX/XXXX, My funds, approximately XXXX CAD were transferred to PayPal itself for undefined damages caused by supposedly violating its acceptable use policy.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus XXXX and Experian and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Consumer complaint received 2022-07-06
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: Santander Consumer USA Holdings Inc. (TN)

CHRYSLER CAPITAL ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX  XXXX  also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Consumer complaint received 2021-05-11
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: LEXISNEXIS (NY)

Hello, i have sent letters to lexisnexis, asking them to remove a bankruptsy, that they have on file, by which they never obtained a wet signature or permissed to report on their files. I have asked them 3 times and remove, and they still not not acted on my request. I sent the letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All 3 times they have not removed the inaccurate bankruptsy from their file.
Consumer complaint received 2021-05-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac Loan Services , LLC owes my husband and I an escrow balance check in the amount of {$730.00}. This check was suppose to arrive in XXXX of XXXX, due to it being initiated on XX/XX/XXXX and it was originally given 3 weeks to arrive. I attempted to contact Penny Mac many times in XXXX & XXXX, to constantly busy phone lines. I was able to speak to a Penny Mac representative, in XXXX of XXXX, who " resent '' the check, and was told to wait another 5-6 weeks. The check still has not arrived and the formal complaint section on the Penny Mac website never actually submits a complaint, instead it produces an error message " unable to submit. ''
Consumer complaint received 2022-07-06
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. (NJ)

On XX/XX/2022 I added a new car lease On the same day, Experian lowered my credit score by XXXX points. There was no new derogatory information added to my account. My score has consistently been from XXXX to XXXX for the past 18 months. I have spoken to Experian several times and they will give no explanation for the large decrease. 

I have filed a complaint with the XXXX XXXX XXXX  however, they have not responded to my complaint. 

I want Experian to restore my credit score immediately.
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

First midland reported on my credit report without ever contacting me via any formal written communication. Second Midland has not provided me with a validated debt as allowed to the debtor under 15 USC 1692 ( G ) SECTUIN 809B.XXXXXXXX hasnt yet to provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor bearing my wet-ink signature. Midland needs to provide me with the original credit claims that this debt became due and when it became delinquent. Midland has not provided me with a copy of my last billing statement sent to me by the original creditor. Midland has yet to supply a verified sworn to by affidavit copy of the contract your firm has with the original creditor, authoring them to engage in collection activating against the above alleged account. Midland hasnt provided me with certificate of authority and or proof that its able to collect in Florida. I would need a ledger statement showing the full accounting of the alleged obligation theyre attempting to collect.
Consumer complaint received 2021-08-26
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: DISCOVER BANK (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Consumer complaint received 2021-08-26
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: Phoenix Financial Services LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.