davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

This letter is to dispute XXXX account on my credit report I find as reporting questionable information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report. I do not recognize the information listed below as true and correct. Be advised this is not an admission I owe or acknowledge the below reference account as mine. 

I have sent multiple dispute letters and notification to Experian ( XX/XX/XXXX and XX/XX/XXXX ) related to the XXXX account on my credit report. Each time the credit bureau answers my dispute by stating the information is verified by furnisher and is reported accurately or " updated '', but information has not been corrected. 

You ( Experian ) did not perform a proper investigation according to the FCRA. In accordance with the Fair Credit Reporting act everything must be 100 % accurate on my credit report. You ( Experian ) state my account was properly investigated but how is that possible if the balance, two-year history, last activity, scheduled payment and high balance are incomplete not accurate. This is grounds for immediate removal. 

Because I already asked you to properly verify the accuracy of XXXX and you were unable to do and / or provide complete and accurate information within 30 days I demand you ( Experian ) remove this account from my report immediately. 

Account name : XXXX Date opened : XX/XX/XXXX Credit limit : {$300.00} Thank you for your diligence in addressing this issue and removing the account. 

Sincerely, Signed : XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I am unsatisfied customer of Title Max. When I opened my title loan the representative gave me a total debt of {$1300.00} due to be taking out a loan of {$1100.00}. He assured me that I had 12 months to pay off my loan as long as I made the minimum payment of {$190.00}. I have made 4 payments. Yesterday for {$250.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$200.00}. Once I checked my balance on the online portal I noticed that the debt balance of {$1300.00} had not decreased. I called and asked why hadnt it and how I should have a balance of {$500.00} and I would be settling it and closing out the account next week. Title max assured me that I could not close my account and that my balance was still {$1300.00}. TitleMax then stated that my monthly payments were for the customary fee. However I was not informed of a customary fee outside of the minimum monthly payment of {$190.00} that I was told to make. I have called the customer services for hours this entire week and every one is selling me the same pitch. I then conducted a research and seen several articles referring to Title Max mispresenting their loan to other customers. I was then lead to your company and spoke with a representative who told me that the article and actions were taken in the year XXXX so she did not know what would be the appropriate steps due to this happening to me now in the year XXXX. She advised me to contact Title Max and request an enforcement action. Title Maxs XXXX District Office contacted me and declined that request. Title Max dismissed my case with a bland statement asserting that they know the manager XXXX. Title Max stated that XXXX has been with them for 8 years and would not have told me I had more than 30 days to pay off my loan. Implying that I am liar and he is credible due to longevity and relationship. This is unfair. This is injustice at its best.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 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.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  XXXX  XXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 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.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-07-26
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: EQUIFAX, INC. (NE)

The credit bureau is reporting a collection account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed to account several times with the credit bureau and the creditor.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX  bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (PA)

I closed my Dave bank account in XXXX of XXXX due to fraud charges going back to XX/XX/XXXX. When I closed my account a dispute was to have been filed and was not. Over a period of time I went through Dave as we well as evolve bank whom the have a Open banking relationship with. When Dave was not investigating as they should I contact evolve who did nothing. Dave was informed on several occasions I never changed my password or ordered a replacement card. The claims charges matched up several of them don't I don't have cashapp or anything like they said. I told Dave who did this Dave also spoke with a witness about this as well. Dave failed to investigate and look into claims. Dave also was to have sent out a check with my balance of {$30.00} and never did that either. The IRS is also involved because of a tax return and stimulus going to the account. When I found out it was compromised I questioned there security on the account as well.
Consumer complaint received 2022-06-16
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. (NV)

In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 furnish a account with out my written instructions
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union has delayed my demand to remove info on my credit report for way too long. I have contacted Trans Union by phone on more than one occasion and sent several different letters. There has been absolutely NO response! As a consumer I'm both annoyed and irritated by the run around. There are several inquiries on my report that are unauthorized and Trans Union has continued to furnish this report without my consent. Trans Union has not given me the method they used to verify with ANY of these companies by way of a signed authorization that has my signature. According to the FCRA the only permissible purposes to obtain a report are : a firm offer of credit, insurance, employment, or court order. I, XXXX XXXX, affirm that I have NOT been extended any firm offer of credit from these companies listed on my Trans Union report, applied for insurance, employment, nor have am I aware of any court order stating otherwise. At this point if I demand Trans Union remove these unauthorized inquiries. They are unlawfully delaying my dispute and liable pursuant to 15 USC 1681n ( a ) ( B ). My character has been defamed and this long process and caused me extreme stress and anguish. Trans Union has furnished a report on several inquiries without my written consent and with no permissible purpose that need to be deleted TODAY before I pursue them in legally for their willful noncompliance. I'm not waiting for their unethical stall letter that will continue to delay. DELETE THEM! I am attaching my most recent letter to them. I also have certified mail receipts from previous letters that confirm receipt!
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST PORTFOLIO SERVICING INC (GA)

I applied for this credit card on XX/XX/23. I received an email requesting that I fax in a copy of my ID SS card and a bank statement with my address. I've called multiple times to get an update on the status of my application and always get the runaround. Today the representative at total select said there was no application on file they sent me an email ( which he could not resend or mail actual correspondence ) and stated I needed to reapply and there was nothing else he could. 
I want an explanation about my application and WHO has my personal financial information. I faxed in my driver 's license, my social security card, and a FULL bank statement. This seems a bit fraudulent since now they can't find my application or answer to why I received an email
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NM)

XX/XX/XXXX we signed a mortgage. It had a balloon payment due XX/XX/XXXX. 
We had forgotten about our balloon payment and when we made our XX/XX/XXXX payment in XX/XX/XXXX, Ocwen refused to process it. We tried to make another payment, but they still refused to process it. We were informed we had a balloon payment due and they said we needed to pay the balance in full. Because they would not process our payments, we were past due on our mortgage and so we could not qualify to refinance our home. We thought if we filed Bankruptcy we could save our by entering into a payment arrangement and they would not allow it. Our home has been foreclosed on and is due to be sold XX/XX/XXXX. We have also found that that mortgage was recorded on the wrong piece of property. It was recorded on a piece on land we own next to our home. Now the attorney said they are going to take both pieces and our home. This is not fair as we did not sign over both pieces of property for our home loan. We desperately need you help
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I called Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : 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 which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

While driving through XXXX Nevada I stopped for diesel fuel. The station had place regular leaded gasoline into the holding tank. I was the XXXX truck that ended up in the local garage that had been ruined by this gas station. My insurance company, USAA chose not to proceed against the station. On XX/XX/XXXX USAA paid {$2800.00} towards the repair of my truck after I paid my {$500.00} deductible. The repairs made and paid for were not done correctly. I continued to have problems from the original incident through the entire year of XXXX and XXXX. Finally on XX/XX/XXXX I had to have my engine rebuilt. The auto garage doing the repairs and myself were in contact with USAA as this was an insurance issue. I needed my vehicle for my job. The garage would not release my vehicle without payment. As this was an insurance issue, they refused to pay which is why I drew the money on the credit card check in the amount of {$6100.00}. From that date forward, I began my phone calls to USAA explaining why they should be responsible for payment as this was a valid insurance claim. 

I had advised USAA that this was a highly disputed account and they assigned my account to a collection agency anyway. The last bill I received said I owed {$17000.00}. How can a bill that is only {$6100.00} go to over {$17000.00}. Please help me get this matter resolved. Isn't there a time limit on how long they can try and collect a disputed account?
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I checked my credit report today and noticed a collection from National Credit Adjusters claiming that I owe {$480.00} to some company named XXXX XXXX. I have never done business with a XXXX XXXX nor have I ever heard of them. This ridiculous collection has caused my credit score to drop.
Consumer complaint received 2024-06-03
Product: Credit reporting 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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/year>.