davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (SC)

I was in a deferral period with both Fed Loan Servicing and XXXX and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX  XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because XXXX is reporting the date last paid as XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623
Consumer complaint received 2018-09-06
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)

My information was stole and as a result this XXXX XXXX XXXX  account was opened in my name. I haven spoken to XXXX XXXX XXXX XXXX and they have explained that this information should not be on my report as it is fraudulent.
Consumer complaint received 2019-08-30
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: TD BANK US HOLDING COMPANY (CA)

I made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (GA)

To whom it may concern : I am filing a complaint against XXXX XXXX XXXX, in XXXX, New Jersey a collection agency that works for XXXX XXXX XXXX XXXX in XXXX GA. I've sent out several letters disputing this debt of {$83.00} inwhich I will upload for review ... 1st letter sent by certified mail on XX/XX/XXXX, 2nd Letter on XX/XX/XXXX and third letter on XX/XX/XXXX. After several attempts they responded with a letter asking for payment and a billing spreadsheet. This billing sheet shows my billing cycle which was from the XXXX to the XXXX of each month. I contacted XXXX XXXX XXXX requesting information on how to cancel the membership on XXXX XXXX and they responded back on XX/XX/XXXX on how to start the cancelation process. I sent the 30 day notice on XX/XX/XXXX and recieved a response as recieved on XX/XX/XXXX. All of these documents are included within this complaint file ..., This debt of {$83.00} is XXXX XXXX XXXX   overcharging me for months of services after I cancelled the account. I had a XXXX  balance when I canceled the account, as it states that in the letter as a requirement from them for me to be able to cancel membership before or on the billing date. They have begrudgently ingnored my letters sent ... they have broken several Federal Credit Reporting laws such as the FCRA and the FDCPA. 
XXXX XXXX XXXX and XXXX XXXX XXXX has caused me financial and Mental harm, by reporting this negative information with the credit bureaus, causing me to pay a higher interest rate for credit, Car Insurances, Store Credit, etc ... I have been denied becuase of my scores dropping due to there illegal practices. When reviewing the billing spreadsheets, you can see that we stopped payment on XX/XX/XXXX after I canceled the account, but they continued charging me. Our monthly billing was {$15.00} per month paid in advance for each month. There was no balance at the time we cancelled the account and we did within the guidel lines they submitted to me. 

I want them to remove this derogatory information from my Credit file immeadiately pertaining to this XXXX XXXX XXXX/XXXX XXXX XXXXs account. 


Kindest Regards,
Consumer complaint received 2022-03-15
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. (TX)

On the morning of Tuesday XX/XX/2022 I attempted to check rates via what was advertised as a soft credit pull with XXXX home mortgage. There was an issue with the soft pull so I telephoned the help line and asked to reset the process so that I could try again online after I lifted a lock on one of my reports. The customer service person looked at the information and after a few minutes said he could look at the rates I requested and go over them with me. Unbeknownst to me he must have done a hard credit pull which is now showing up in my credit report. 

I believe that this is unfair and a bit dishonest as they mention several times that the initial credit pull is soft and would not affect my credit. I would never have requested a hard pull as we are in the process of closing on a home and this sort of inquiry could affect my underwriting process.
Consumer complaint received 2021-07-26
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: Receivables Performance Management, LLC (GA)

1.RECEIVABLES PERFORMANC ( XXXX ) DATE FRAUD BEGAN XX/XX/2021 {$1900.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability.
Consumer complaint received 2022-02-09
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)

I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-09-07
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (CA)

check into cash is charging me excessive interest on my title loan. When I make my payment which is {$880.00} a month most of the money goes to the interest. Most of my payment should go to the principal. The manager told me also my payment is never going to be any lower.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (CA)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This is a complaint against equifax due to the fact that I have contacted them via phone and letter to have some inquiries deleted off of my credit report. I received a response from the credit agency that the inquiries are factual and that they will remain on my report. The Hard inquires in question are XXXX, XXXX, Off lease only ( 2 times ), and XXXX. I am filing this complaint in order to assist in correcting this matter ( removing the unauthorized inquiries ) from my report so that it can reflect accurate information.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (NC)

I received an email from CEDARS Business Services on Friday, XXXX, XXXX at XXXX PM EST. In the email, Account Manager, XXXX XXXX, states that I have a past due balance of {$30000.00} from XXXX XXXX XXXX  which is located in the XXXX XXXX. The account manager is assuming that I knew the account was in collection and that they had sent me other emails about this fraudulent account. First, of all, this is the first email that I received from them. Second of all, I never took out a loan for any money with this bank or any other and left the XXXX with XXXX balance with my XXXX XXXX XXXX  account. I have the last statement from this bank dated XX/XX/XXXX. It states all the transactions that have been carried forward and it states XXXX balance. I wasn't able to close the account before I left but the last information I have clearly states that I owe the bank nothing. I believe that someone else has either committed fraud or used my name in identity theft because I have no knowledge or responsibility for the debt they say I owe and are attempting to collect. I have asked them to stop all communication with me and with this email, address or otherwise and I have recorded a dispute with XXXX. XXXX removed the hard inquiry that they had recorded on my credit report as of XX/XX/XXXX. My statement is that when I left the XXXX as an XXXX in XXXX in XXXX, I had not taken out a loan at all and had no outstanding debt. This company has not provided a debt validation letter ; just, a file # XXXX and a balance of {$30000.00} which is completely erroneous and implies that someone has been using my name or credit without my knowledge which is considered either fraud or identity theft. The email I was sent is from XXXX and does not have an letterhead address from the company on it which I found strange even though XXXX business service is listed in XXXX as a registered debt collection agency. I did XXXX their address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, California ) and I plan to follow up within the 30 day period from when I received the email stating what I just told you and request that they do not contact me about the referenced debt, in compliance with the Fair Debt Collection Practices Act. I dispute having any obligation for this debt and have NO knowledge of it.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-28
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: Commonwealth Financial Systems, Inc. (FL)

I sent a letter out on XX/XX/XXXX to " common wealth financial systems collection agency. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX XXXX XXXX  XXXX Account XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, 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 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 to furnish a account without my written instructions n 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 known or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
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. (TX)

I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows two separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.