davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXXXXXX XXXX ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-03-09
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. (PA)

I have 4 negative debt collection accounts that I have no knowledge of. I also have an unknown address on my credit report as well. I am a victim of 17 data breaches and a victim of identity theft. I found another social security number on my Experian credit report that was deleted when I called.
Consumer complaint received 2024-02-12
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (TX)

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (PA)

I owe nothing to Wellsfargo as I sent them payment to cover my complete balance and in turn they froze my account and after reaching their offices on the second occasion today XX/XX/11 a representative said I needed to speak to key services and it will take 10 business days to get someone from that department, when I had already called on the XXXX. When I expressed my dissatisfaction of how I cant even use my credit card and maybe the news can help me to expose their unbelievable practices she even responded I was overreacting seriously! I feel that they are profiling me as to how I can pay my card off! Just like that. Discrimination is the word. Well this to me is unheard of and instead of treating me like a great customer Im getting treated like a criminal unworthy of credit after my payment. I paid off the account because Id rather pay with a credit card for security purposes and insurance. 

I think I shouldve gotten someone immediately to handle my situation and not be put through this aggravation.
Consumer complaint received 2021-03-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2016-01-25
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XXXX XXXX, 2016 I went with my mom to send a Moneygram costing altogether {$190.00} to some people who said they can make medicine from XXXX, XXXX. I visited their website & I thought they looked trustworthy not knowing they were not at all. I sent the money & tried calling them. Their phone was off but he could text. He said the package was on XXXX & he needed {$100.00} more for a shipping agency. I just cancelled & said I wanted a refund not knowing it was a scam. I called Moneygram but they were no use. So it was a scam the whole time, but I need to get my refund back as soon as possible.
Consumer complaint received 2021-02-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender l.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hello, my name is XXXX XXXX. I have been in contact with Fifth Third bank about a dispute case because I noticed fraudulent charges on my card dating back to XXXX. I did not make these charges and they have no actual evidence that I did. They keep denying my case and Im not sure why. Every time they deny it I tried re-opening it and they take up to 30 days each time. So at this point it has been months and Im fed up. Im not sure what to do to get my money back and theyre not helping me at all. My case number is XXXX.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

RMP LLC illegal reported on my credit report. They've violated me in so many ways and now they're hiding behind their fraudulent ways by not responding. Silence is an admission of guilt. They have yet to respond. I advice them to seek legal counsel if this matter continues and they don't pay invoice.
Consumer complaint received 2018-05-10
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: Experian Information Solutions Inc. (NJ)

Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

This is a rebuttal regarding the company 's response to my prior complaints. I have included additional supporting information, so please do not disregard this rebuttal. The attached documents provide a thorough description of the issue. Part of the text is included below for reference/context. 

I am writing this in rebuttal to BSI 's response which your office forwarded via email to me on XX/XX/XXXX. Additional supporting documentation ( copy of escrow closing document dated XX/XX/XXXX indicating XX/XX/XXXX taxes already paid in full prior to BSIs business relationship with me ) included to further support my position. 

My prior complaint and documents ( including property tax bills for the last six payments ) to help BSI try and resolve this matter are also attached. The fundamental issue is that BSI sent in an extra {$2500.00} check for property taxes ( and deducted the amount from my impound account ) which wasn't needed, and never cashed. BSI has failed to credit me back the amount, and hasn't looked at my documents or spoke with XXXX XXXX assessor 's point of contact I provided, in order to resolve this matter. 

BSI 's last response has misinformation - specifically, they keep repeating that they made a payment of {$2500.00} for XX/XX/XXXX taxes and that this accounts for the " extra {$2500.00} ''. But this is simply not true. 

The XX/XX/XXXX taxes were paid by my prior lender ( XXXX XXXX XXXX XXXX ), and the dollar amount was {$2500.00} - this occurred 5 months before I even had a business relationship with BSI ( which began after I refinanced my loan in XX/XX/XXXX which was then sold to BSI financial ). 

As further proof, attached is an image of the closing documents from that close of escrow/refinancing in XX/XX/XXXX- clearly showing ( see pen location ) that at close of escrow the XX/XX/XXXX taxes had already been paid, and that the next tax payment was due in XX/XX/XXXX ( which BSI paid delinquent in XXXX ). 

In addition, I met in-person with XXXX XXXX tax assessor 's office ( XXXX XXXX XXXX XXXX and received a subsequent email from her review of the last XXXX tax payments ( attached ) where she explicitly states that the XX/XX/XXXX payment was made by XXXX XXXX XXXX XXXX XXXX not BSI! XXXX XXXX also clarified that the " extra check of {$2500.00} '' from BSI was not needed and therefore photocopied and destroyed by her office. Her email includes the check numbers from BSI 's checks so that BSI can confirm that the check was never cleared/cashed. XXXX XXXX was even so generous as to offer to speak with BSI to help clarify the situation. 

However, BSI is choosing to ignore all of this supporting documentation and stick with their misinformed and inaccurate response.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (SC)

I had an unauthorized purchase made on my Discover credit card in XX/XX/2019. I always pay my statements in full. I did not realize there was a fraudulent charge until I was getting my tax information together. The charge was {$1100.00} for a seminar in California. I live in SC and I have never traveled to California nor has my husband. 
My husband was using the card to buy materials for his XXXXXXXX XXXX at the time of the unauthorized purchase. I did not look at my statement at the time and paid the card off in full. As soon as I discovered the charge, I contacted Discover card and they credited my account. Two months later, Discover card added the charge back. I have tried talking to the fraud department many times and they will not dismiss the charge. 
They act like I'm lying about it. I have no reason to attend a seminar nor does my husband. Discover card is trying to sue me for someone else 's fraudulent activity.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (TN)

In today I received an credit alert stating that this company XXXX XXXX, XXXX. Was collecting a debt for XXXX . This collection agency appeared on my credit reports todate. However they dated the open date for XX/XX/XXXX,2017. This company has never reached out to me informing me that they had received this debt. And that they now were trying to receive payments. I have disputed this company ( XXXX ) in the past. The company could not fully verify the debt was mines.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

In XX/XX/XXXX, I asked the IRS to grant a withdrawal of Federal Tax lien. I received confirmation of withdrawal on XX/XX/XXXX. A week ago on XX/XX/XXXX, I obtained from the court 's clerk a copy of the recorded IRS form XXXX " Withdrawal of Filed Notice of Federal Tax Lien after Release ''. The form has the stamps that it was recorded by the clerk for the superior court of XXXX XXXX, GA on XX/XX/XXXX. On Monday night XX/XX/XXXX, I filed an online dispute with Equifax asking they remove the public record of this IRS tax lien and I uploaded the above recorded form of withdrawal as proof that this tax lien was withdrawn. Today, Equifax sent an email that they had investigated and confirmed the original tax lien of XX/XX/XXXX, and would do nothing further. Therefore they are refusing to update my credit report by deleting this public record.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I checked my XXXX credit report today and found an unauthorized inquiry from Capital One appears on my credit report. 

The date of said inquiry is XX/XX/2020. 

I did not apply for a credit card with Cap One so there should be no inquiry appearing on my credit report.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian is willfully violating public policy by continuing to report unvalidated accounts on my credit report. I have disputed the accounts with the debt collectors and they are not complying with the law and ignoring requests. Some of these accounts have been removed from other credit bureaus. Experian failed to provide me with the items listed in my complaint letters that are required under the FDCP. I have been going back and forth with them since XX/XX/2019, and to no avail they keep saying the same script that the items are verified when they are not. It is now XX/XX/2019. They are forcing me into homelessness where I can not find housing because of these erroneous accounts that should have been removed. I have sent 4 letters notarized via certified mail to experian and I have gotten the same response. They have not provided me a copy of an original consumer contract with my signature on it or any documentation at all. They are also lying and saying it meets the FCRA requirements and it does not. Experian is now threatening to leave unvalidated items on my credit report for 10 years and saying they will not reinvestigate in the future. This is unlawful and a miscarriage of public policy. I will hold Experian accountable for their actions and all parties involved for the damages I will incur in the near future of not being able to find a place to live and being denied housing,
Consumer complaint received 2017-07-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MI)

Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX To whom it may concern, ( Letters 4-5 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XXXX XXXX 2017, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy sent to myself and the CFPB, not some statement of charges not some disbursement date that I took out loans. ) Or verbally saying you sent it. If you do not produce these official documents. I urge the CFPB along with myself to work together to take further actions. By producing these items solves eevryone problems and headaches ... By not producing these documents will help my case in court to take legal action against Navient in my next steps.
Consumer complaint received 2019-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: 2288984 Ontario Inc. (OH)

I received a loan from XXXX XXXX on XX/XX/2018 they take out XXXX biweekly I called to inquire about payoff amount I borrowed XXXX and my payoff balance as of XX/XX/XXXX is XXXX not only have nothing came off of my balence of the XXXX already paid. The said it is so high because I didnt do the other pay off options that was never even offered to me
Consumer complaint received 2019-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance obtained a copy of my credit report on multiple occasions that I did not authorize. Dates are as follows : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018. I did not authorize any of these inquiries.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For more than 6 months now I have been constantly harassed by Portfolio Recovery Associates to collect depth obligations that I really dont remember owing or is too old. They have on several occasion used Autodialer to call me on my cellphones without permission, I will pick up the call and will say hello! hello! hello! then after more than a minute somebody will come on the line. 
They call me frequently and repeatedly from several out of state numbers, late at night, at work, and on my cell phone after I have told them not to call me. 
They have on several occasion told other people that answered my home phone or work phone that they are trying to reach me on personal matter relating to dept collection.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (GA)

I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
Consumer complaint received 2022-12-01
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXX CO ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.