davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (GA)

Experian refuses to remove an account from XXXX XXXX XXXX in the amount of {$1600.00}. I have now disputed this account no less than three times, as recent as XXXX of this year. Experian has returned with a response that the debt has been verified, but has refused to send me any proof or documentation of this debt or contact with the collection agency. I have received confirmation from both XXXX and Experian that this debt can not be verified as mine and it has been removed from both bureaus. Experian has not validated this debt or responded to me regarding it. If this debt can not be validated, it is my legal right that it be removed from my credit profile. 

I have additionally tried to obtain validation of this debt from the collection agency directly. The letter was returned to sender as the address on the letter of debt that I received is invalid.
Consumer complaint received 2018-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

I attempted to open a checking account with Chase bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping Chase from granting me an account. Let me also mention that Chase is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to XXXX to contact them with questions. I called XXXX and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called Chase to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a Chase bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to XXXX to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. 

I only have access to limited information, because this is NOT my account. 

reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.
Consumer complaint received 2021-10-21
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: Exeter Finance, LLC. (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Consumer complaint received 2020-11-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TX)

On XX/XX/2020 I was notified that the collection agency named : placed a collection account on all three of my credit report. I was not notified in writing to my current mailing address and given the right to dispute this account. By doing this they have broken the rules of the Fair Credit Reporting Act. 

I do not have a contract with this collection agency, nor do I have any knowledge of this account.
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

I was notified by XXXX XXXX XXXX XXXX around XXXX XXXX  XX/XX/19 if I wished to authorize an debit of {$280.00}. Once notified from the credit union, I looked up my banking statement and noticed another transaction of {$450.00} has been processed by Western Union. Upon noticing the unauthorized transaction, I contact XXXX  XXXX XXXX XXXX XXXX and reported the transaction. Then I contacted Western Union about the unauthorized transaction. They transferred me to their fraud department and gave little detail to the transaction except for the individual that received the {$450.00} from an XXXX, Il Western Union location. Western Union did not offer to refund the funds due to the fact that they had been fraudulently paid out. After looking up their website, I noticed an account had to be created to access my account. An individual created a fake account with unknown name and address as well as e-mail with my banking number that Western Union would not tell me who created the account. I then contacted XXXX County Sheriff to make a report of money fraud.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (PA)

N 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX
Consumer complaint received 2018-04-26
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: ZARVAD III S.A. (NV)

It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!
Consumer complaint received 2019-03-19
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: LEXISNEXIS (IL)

When recently applying to refinance my car, a lender pulled a report from both XXXX  and LexisNexis. LexisNexis reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to LexisNexis, and they refuse to remove this information from my credit report.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

ON XXXX XXXX 2 CHARGES TO XXXX XXXX 1 CHARGE FOR {$750.00} AND {$140.00} ALSO XXXX  FOR {$13.00} i HAVE REPORT TO THE LOCAL POLICE OFFICE AND RECIVED AN REPORT, I HAVE ASKED THE COMPANY TO ASK THE STORES FOR SIGNATURES AND SURVEILLANCE FOOTAGE.
Consumer complaint received 2020-01-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

My mother and father ( XXXX veteran ) refinanced their home mortgage around XX/XX/XXXX with a lending company called Freedom Mortgage. Initially, their monthly payment was low, but after 5 months the lending company did an escrow analysis and increased their monthly payment by around {$1000.00} / month. This drastic increase created financial hardship for my parents ; consequently, my dad reached out to Freedom Mortgage to inquire about how to bring down his monthly payment again, and they recommended another refinance. They estimated the refinance with a lower interest rate, but again they incorrectly calculated the escrow amount using incorrect tax information ( their estimate is too low ). The incorrect tax information is included in the attached Closing Disclosure which I received on XX/XX/XXXX from my father. 

After detecting the error, I proceeded to email Freedom Mortgage to revise the Closing Disclosure to reflect the accurate numbers. This is important because it creates a realistic estimate of what the monthly payment ( P & I + escrow ) to Freedom Mortgage would be. To be very clear, the inaccurate Closing Disclosure from Freedom Mortgage shows a monthly payment that is about {$900.00} LESS than what it should be if the escrow payments are correct. That is, the same issue will occur in a few months when Freedom Mortgage recalculates the escrow balance, and significantly increases the monthly payment to cover the shortfall in escrow. 

In spite of supplying accurate tax document information so that Freedom Mortgage could correct the Closing Disclosure, Freedom Mortgage REFUSED to change it until " a closing was scheduled '' and closing could be cancelled if need be after that point. This is an unacceptable approach and ultimately results in a type of bait and switch. A borrower is less likely to step away from a closing that is already scheduled than to not even schedule one if the terms are not favorable. My parents have withdrawn their loan application to Freedom Mortgage and are seeking relief elsewhere. 

Freedom Mortgage is suspected of knowingly luring borrowers into more and more refinances with initially low monthly payments, thereby increasing their loan revenue ( notice how the refinance costs and prior unpaid escrow balance are rolled into the new loan ), and then substantially increasing their escrow balances at a time when Freedom Mortgage must recoup the funds to cover the escrow deficits.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

N Accordance with the fair Credit Reporting Act XXXX  AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (CA)

The statute of limitations for this debt from 2017 should apply. 

Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX through a collections agency XXXX XXXX , XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-08-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

My niece was a patient at XXXX XXXX XXXX  in XXXX, ms Where she is a minor I was told to show my ID and insurance card, after they refuse to treat her. And eventually she was treated as me being a responsible adult. I called her insurance to straighten out the debt, I was told that everything was taking care of now I have a collection agent on my credit record for a hospital bill As XXXX XXXX XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OK)

I have attempted several times to place a security freeze on my SageStream report. 

I sent a signed letter on XX/XX/19 to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. In the letter I stated that I was requesting a security freeze. I included my full name, address, phone number, social security number, and date of birth. I also sent a copy of my driver 's licence and recent water bill. This request complied with the criteria outlined at https : //www.sagestreamllc.com/security-freeze/ After approximately 30 days, I began calling. I called on XX/XX/19, XX/XX/19 and XX/XX/19 but the company only has a voice message. I attempted the number listed on Sage Stream 's website : ( XXXX ) XXXX. 

A consumer can request a security freeze by 1 ) mailing in a compliant request, OR 2 )  calling the number listed on the site. I have attempted both and have been unsuccessful.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (PA)

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX, called XXXX spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at XXXX that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, XXXX and Equifax never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL!

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.
15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Also, XXXX took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.