davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
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. (NV)

XXXX XXXX XXXX XX/XX/2021 hit my credit file on Experian 6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX  XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2018 I received a call from National Credit Adjustors about my account. I agreed to pay the account in the amount of {$610.00} if they deleted from my credit report as it was reporting in collections. They agreed. The payment cleared my account and they are still reporting my account in collections. The resolution I want is for it to be removed from all 3 of my credit reports. I have called several times and had have no luck with getting them to cooperate with their agreement.
Consumer complaint received 2021-02-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

My Previous Home mortgage Company " XXXX XXXX '' sold my loan to PHH Mortgage in XX/XX/XXXX without my consent or any Communication / Notification and XXXX Mortgage was also failed to notify me till XX/XX/XXXX and my Auto payments were auto paid to my XXXXXXXX  till XX/XX/XXXX as my payment of XXXX bounced back to my account I came to know that my loan was sold to PHH Mortgage ( Loan # XXXX ) Upon the confirmation from XXXX XXXX i contacted Phh Mortgage and paid Additional {$13000.00} to bring my account upto date and on XX/XX/XXXX additional {$2800.00} as per my conversation with PHH Mortgage representative all was good and they will fix the Credit report not showing the late payments also refund my late fees Till today and repitive calls to PHH mortgage XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ID XXXX and XXXX ID XXXX ) no progress neither my late fees are return or neither my Credit report was fixed every time i get runaround even on XX/XX/XXXX XXXX EST i was talking XXXX ID XXXX she hang-up my call, I am trying to refinance my house XXXX because of them my credit from XXXX score went to XXXX which is costing me additional 0.75 % higher rate ( XXXX ) in long run it will cost me XXXX it look like loan transfer to PHH and PHH to contacting is totally Illegal till today they did not provide me any evidence showing that i received any communication from them till XX/XX/XXXX and as promised fees are not returned and credit reporting is not properly done. I need some one to rectify the situation ASAP Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX  Product/Service : Mortgage Model # : None Provided Account # : Loan # XXXX Order # : Loan # XXXX Purchase Price : XXXX Payment : Deposit ACH Debit Disputed Amount : XXXX As you can see from attached latter from PHH after requesting somany times since XX/XX/XXXX finally they send me some communication but failure to provide any communication which was done before XX/XX/XXXX XXXX also as you can see i never been delayed my payments in my mortgage since XXXX till today this is only case were i was not aware of my mortgage loan was sold to different company without my knowledge and payments were made to my old mortgage company XXXX XXXX and i was panelized for no reason and fowl played by both the mortgage companies.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I keep seeing this Portfolio Recovery on my credit report for collections in the amount of {$430.00} from an account opened in 2019 through XXXXXXXX XXXX  I don't have any cards with XXXXXXXX XXXX as the financial establishment. That is not my account. I have disputed this as fraudulent with the credit bureaus at least 5 times to no change. No one seems to know where this came from. It is not my account. I want that removed.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

My car was totaled and the insurance company as well as the GAP insurance both issued checks for the balance in full. Even though checks were received late fees were added to my account and it was also reported the the credit bureaus was past due. All payments were made on time and XXXX balance is owed.
Consumer complaint received 2023-03-22
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. (TX)

I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.
Consumer complaint received 2023-03-22
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. (IL)

I requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.
Consumer complaint received 2023-03-22
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)

On XX/XX/2023 XXXX, XXXX and Equifax reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Consumer complaint received 2023-03-22
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. (SC)

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 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 XXXX XXXXXXXX, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-03-22
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Mailing Address ) XXXX XX/XX/XXXX Bank of America Re : Reconsideration of Secured Credit Card Good Day, Ive been a customer with Bank of America since XX/XX/XXXX. 

I would like for youll to reconsider my application for a Secured Credit Card I applied for on XX/XX/XXXX and Declined on XX/XX/XXXX. The reason for my decline is not accurate as was noted on the decline letter. 

On XX/XX/XXXX I pulled my credit report from all three credit reporting agencies and it shows I do not have an open Bankruptcy and there are no claims open. Both of the cases listed on public record were dismissed in XXXX and XXXX. 

Also, its not accurate that I was attempting to file for Bankruptcy. Im not sure where this information was obtained but it was not from my credit report. Please provide me with detailed information on where this information was obtained. 

Im attaching a copy of my credit report from XXXX that was pulled from all three CRA Im attaching a copy of BOTH ORDERS from Bankruptcy court that both cases were closed 4-5 years ago Again, please reconsider my request for a Secure Credit Card with Bank of America. 
Thank you, XXXX XXXX
Consumer complaint received 2023-03-22
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. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (FL)

This debt has been paid in full to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Idaho XXXX ) and should be removed from my credit report.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (CO)

I recently pulled my credit report and I noticed there was an account on there that was not on there in XX/XX/2019 when I pulled it. XXXX XXXX- I gave them a call and its an apartment complex I have never lived in. I been at my current address for the past 3 years. When I called the receptionist she said it could be an error in the name and could be a common name. My SSN & DOB didn't even match what she had on file. They asked me to dispute the account and they would delete it. its still on my CR
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-31
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: RGS Financial, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-03-22
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. (WI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient told me multiple times that a Graduated Repayment plan would count for the Public Service Loan Forgiveness program. It does not. And I paid three years into the program under that plan before switching to a qualifying Income Based Repayment plan. I am now three years behind on qualifying payments for the PSLF program.
Consumer complaint received 2019-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

21ST MORTGAGE HAS AN OVERPAYMENT ON ESCROW THAT NEEDS TO BE APPLIED TO THE BLANCE THIS IS AN ON GOING ISSUE EVERY YEAR WOULD LIKE THE {$470.00} ODD DOLLARS APPLIED TO THE BALANCE SO I CAN BRING IT CURRENT
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit 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 (CT)

Back on XX/XX/2019 my Kohls charge reflects a charge of {$350.00} With no items that could it discribes the charges. 
The store in question where the charges were from, I havent visited since the month of XXXX nor I ever purchased that amount at once on any kohls stores Several times I contacted kohls customer service without an answer all they said is the they are investigating and Im certainly didnt make such a purchase.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

On XX/XX/2018 I settled a debt in the amount of XXXX with XXXX XXXX XXXX for a debt owed to XXXX XXXX, I have a letter from XXXX   stating the debt was paid in full, it also shows on my credit report that the debt is paid in full, however XXXX XXXX turned around and sold the debt to another collections agency by the name of credence. I have sent Credence proof that the debt has been paid and that XXXX XXXX   sold the account to them fradulently, however XXXX XXXX or Credence refuse to provide me a letter indicating the account is paid and they will remove the debt from my credit report.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

- I had an XXXX issued Fidelity Rewards credit card since XX/XX/XXXX. On XX/XX/XXXX, I made my usual online payment from my XXXX checking account of the balance of the XXXX card which was {$740.00} and received a confirmation number for the payment. On my next statement, I see that the payment has been reversed and I have been charged a " Returned Payment Fee ''. I call XXXX and they explain the reversed payment and the fee are due to my checking account not having sufficient funds at time of payment. I call XXXX and they confirm that my checking account DID have sufficient funds, also they have no record of XXXX electronically requesting payment. 

- In fact, this issue occurred at least twice before. My on-time payment on XX/XX/XXXX of the balance {$3800.00} was reversed on XX/XX/XXXX and a Returned Payment Fee was also applied. In this case ( and one other case for which I do not have the dates/amounts on hand ) I was able to get XXXX Customer Service and XXXX Customer Service on the same conference call, XXXX stated that their payment request was returned with a response of " insufficient funds '' and XXXX replied that I had sufficient funds on the payment transaction date and that they never received a request for payment from XXXX. Ultimately it was decided there was a glitch with the electronic payment system and the returned payment fees were dropped from my account and I rescheduled the balance payments. 

- For the instance on XX/XX/XXXX, the Customer representative I spoke to at XXXX refused to participate in a call in XXXX, or contact XXXX on a separate call to verify that I had sufficient funds on that day, or to address my issue at all. Since this problem with payment has occurred at least three occasions, two which took considerable time and inconvenience to resolve, one which is still unresolved, I decided to close the credit card account. I paid off the purchases. I did not pay the returned payment fees or the interest because if my payment had been processed as scheduled, there would not be any interest or fees.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Consumer complaint received 2023-03-22
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. (GA)

I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.