davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX  another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (MD)

In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my second 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 alleged fraud or extortion. 
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Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian and XXXX that I was a victim of identity theft. Experian and XXXX are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian and XXXX have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/2022 @ XXXX XXXX Someone transferred {$3000.00} to their chime account $ XXXX I did not authorize this transaction and i tried telling my bank this and they denied anything was wrong so i never was refunded. I tried to escalate the claim with evidence but thats all the evidence i have i have no idea who this person is and why i would send that much to him.
Consumer complaint received 2018-10-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent dispute letters to XXXX, Experian, and XXXX since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Consumer complaint received 2020-11-05
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)

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Consumer complaint received 2021-05-16
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 (NJ)

I even waited there ridiculous 180 days. First a 180 days pasted a month ago as of the time Im writing this. No one even told me I called them. They advised me the 180 days was not even needed anymore and there back office will review it. I was done so I said I want my money now PayPal said sue them unbelievable. 
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal I dont ever wan na work with them again but I want my money and done. XXXX is my email
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (MI)

I am trying to obtain a payoff for a mortgage with TCF Bank. I have submitted the request for the payoff three times but TCF Bank is saying they have not received the request. It has been over three weeks and the mortgage is in foreclosure, yet TCF Bank is refusing to send the payoff. I think they want to foreclose because there is so much equity in the property and they will financially benefit from not having it paid off before it is foreclosed upon. This is scandalous.
Consumer complaint received 2022-05-04
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. (KY)

This account was never paid in a settlement, the account has no late payments or missed payments. the bank has been working close with me as on their end they do not even have the accounted reported to experian ( i have enclosed this ) and they advised me to file this complaint as they are not even getting the disputes i have filed thru experian. the bankers name who handles this information is named XXXX XXXX & her number is XXXX, she is been with XXXX bank ( now first bank ) since my loan & worked directly with my loan from the beginning. this information is reporting negatively on my report and hurting me greatly .this lets me know experian is not properly handling my disputes, i have attached what the bank is showing on their end that THEY ARE REPORTING to experian which is nothing, this needs to be corrected as i been fighting this since XX/XX/2020 and experian is not doing their part to report correct information on my behalf.
Consumer complaint received 2018-10-16
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: CITIBANK, N.A. (MI)

XXXX XXXX client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. XXXX XXXX  and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of XXXX XXXX was made to the CFPB, a letter confirming the removal of the data was received however an XXXX  credit report obtained XX/XX/2018 still has XXXX XXXX listed in the hard inquiry section of the report.
Consumer complaint received 2022-05-04
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. (CA)

Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (AZ)

n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract. 

In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored. 

I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation. 

I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever. 

I am a hardworking, honest person that puts my trust in other people ( organizations ) to  do the right thing but apparently, I am to gullible to think that way. 

Being lied to about something concerning court hearings, etc. is beyond my comprehension. 

I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything. 

I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.
Consumer complaint received 2024-02-06
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. (MI)

I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXXXXXX  {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern. 
UNFAIR RETURN ITEM FEE I tried to transfer {$3000.00} from my personal account ( BOA ) to my business account ( XXXX XXXXXXXX XXXX XXXX ) on XX/XX/19 FRIDAY on BOA webpage. 
and i found out XXXX account was merged with other banks. 
I called XXXX XXXX and they said your routing number has changed. 
so i met the bank teller ( in XXXX branch ) of BOA to tried to fix my transfer information ( my routing numbers ) on same FRIDAY afternoon. 
He said there is no extra fee on fixing information and if the transfer fail the fund will be returned to my account automatically. 
I ' ve been to BOA on wednesday XX/XX/19 again to find out what's going on. 
she who is another teller from friday said i still need to wait more and even though routing numbers were changed and it still can be transferred so i believed that and had to wait again. 
On friday XX/XX/19 morning my {$3000.00} has returned. 
At the same time BOA charged {$35.00} for return item fee. 
This is very deceptive charge. 
I paid {$3.00} for 3 days transfer and wait 7 days but they didn't do it right. 
and charged me another extra {$35.00} for nothing. 
what did i do to deserve this? 
i think this is unfair. 
i hope this problem will be fixed. 

regards
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint towards Experian, they keep getting my information wrong and it is impossible to get a hold of someone by phone. Today I spent approximately 2 hours trying to get a human to answer my call but after trying various numbers that only lead to a dead end, I gave up. 

It is so frustrating because I have had so many issues applying for loans and other financial needs because of them. Companies keep telling me to update my consumer statement and there is nothing in regards to that online. 

Calling them has been such a waste of time every time because everything is an automated loop of the same thing over and over.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. 
I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.