davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (NJ)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS ACCOUNT RESOLUTION S, will not remove my collections from the report, The collection is a false claim, I have called and shown proof to the company that my daughter had Medicaid at the time of the emergency visit. They continue to report that I owe a debt i do not owe under federal law. {$850.00} XX/XX/2016 date of services, after 3 years it appeared on my credit report, no billing or communication of any kind occurred.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. XXXX has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.
Consumer complaint received 2022-02-13
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. (CA)

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of 102 and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Consumer complaint received 2021-04-19
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. (NV)

My mother XXXX XXXX and I, XXXX XXXX were on a loan that was done in XXXX. My mother filed bankruptcy in XXXX and the first loan which was XXXX XXXX XXXX and second loan which was XXXX XXXX XXXX were discharged. XXXX XXXX, which eventually took over the loan for XXXX XXXX XXXX in XXXX, started a Notice of XXXX in XXXX and did not foreclose on the home. They transferred the loan to the second mortgage company which was XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX then gave another Notice of Default in XXXX. The home was sold at auction in XXXX, XXXX for {$200000.00}. Both companies turned down cash offers in XXXX and XXXX for over {$230000.00} to come to this conclusion. There negligence in responding with counter offers after 30 days was a reason some buyers rescinded other offers also. After researching and hiring a private investigative auditor, they found fraudulent items and all of this led to a wrongful foreclosure. Also on my XXXX Tax Return, it showed XXXX XXXX XXXX 's XXXX showed my Outstanding Principal Balance is {$0.00}. My credit history was outstanding with scores that ranged from XXXX and higher and it should be back near those same scores. 

I have submitted all investigation reports and numerous violations to each credit bureau last year and this year.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

i posted a request on a XXXX group of freelancers many inbox me for their offers among them i accepted XXXX XXXX XXXX for the job i checked his profile everywhere and he seemed to be indeed a very professional person with a good IT background so we started the deal and he requested me to pay advance to be on the safe side, i sent him {$20.00} on XXXX XX/XX/2022 as from then he told me he will start the work feeling something weird, i made out a plan to tell him i need the project asap until yesterday XXXX XX/XX/2022, he told me i will get the work at end of night at XXXX on XXXX XX/XX/2022, he messaged me on XXXX saying : " XXXX XXXX not well my health is too much down please search another developer for your project. 
And send me your account details I will transfer your money. 
And am not able to reply you am in high fever hope you understand Thank you '' i knew he finally managed to scam me out of anger we had a discussion and he blocked me saying he will not refund my money because we discussed the {$20.00} advance payment was made through the XXXX payment XXXX
Consumer complaint received 2022-02-14
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. (TX)

XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/2014. On my credit report they closed the original account in XX/XX/2014 and re-opened another in the same month, placed it on my credit report and began reporting as charges office since that time. Ive asked the credit bureau to remove this account because it is past the statute of limitations yet, it has not been removed.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I entered into a forbearance under the Cares with Mr. Cooper for 12 months due to my rental home being shut down by the Governor of Florida and not receiving income during my primary earning months. I contacted Mr. Cooper to begin payments starting XX/XX/2021. Today I received a letter stating they would only agree to me i ) paying the entire 12 months from the forbearance and begin making payments, ii ) giving them a deed in lieu of foreclosure ( I have {$380000.00} in equity in the property ) or iii ) doing a short sale. It was my understanding that the cares forbearance was to help people during COVID, not set them up to lose their property. After numerous calls, I learned I could get another 6 month forbearance. In order to avoid the bank initiating foreclose, I agreed to 6 additional months forbearance in which I will start making payments plus as much additional as I can but at the end of the 6 months I will be in the same situation. I believed the lenders had to work with cares forbearances and add the money to the mortgage increasing the payment but allowing for repayment over the term of the mortgage. I am certain the intent was not to put people in the position of having to make full repayment of 12 months mortgage immediately at the termination of the forbearance.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

My condo was paid off. I did a cash out refinance in the amount of {$220000.00} through Loan Depot online. The loan funded yesterdayXX/XX/2019. {$38000.00} of the loan was to be paid directly to my bank to pay off an auto loan the person I originally spoke lead me to believe that it would be wired directly to them. The remaining amount was to be wired to my bank account. The loan funded yesterday but the money isn't in my bank, nor has the {$38000.00} been paid on my auto loan. The loan process person told me that the wire transfer could take up to 72 hours and that they are mailing me a check for the auto loan that I then have to bring to the bank to pay off my car. I was told that I will be paying interest on all of that money as of yesterday XXXX/XXXX even though it could be days before the wire transfer happens and possibly a lot longer to receive the check for the auto loan since that's being mailed. How is it legal for me to be charged interest on money I have not received. When a loan funds and a person starts paying on the money they should have the money they are now paying for. They also told me they'd be paying my bank directly for the auto loan payoff, otherwise I might as well paid them once the wire transfer was done. So I'm also paying interest on the auto loan loan that should have been paid off yesterday, now I have to wait for a check to come in the mail. This is XXXX. I don't know if the 72 hours is working days or not, but my guess is that it probably is. if so that would mean I'll be paying interest over the weekend for money I haven't received. It's a wire transfer why it wasn't done when the loan funded is beyond me. They had all the info way in advance of the loan funding. They are basically making money on money they still have, nice scam.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX PNC BANK XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from PNC BANK for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I called the Experian and XXXX credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My loan was PAID IN FULL mid-XXXX and account closed with supporting documentation XXXX XXXX XXXX  Yet again, it has is been reported as a NEW ACCOUNT and DROPPED MY SCORE! The balance of {$470.00} is still showing as owed which could soon be shown as a collection account. XXXX XXXX  has moved YET AGAIN BEFORE the 3 major credit reporting agencies although they claim they pull their information from them. ( Yeah, Right! ). My scores with Equifax and XXXX wasn't affected. The battle is seemingly constant regarding their reporting incorrect items to my account. I have freezes and alerts placed on my accounts for SEVERAL MONTHS now. Why are these inaccuracies continuing to be reported? How? This report is VERY shady. It seems instead of protecting yourself from ID thieves, you need to protect yourself from them. FED UP!
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

this credit card account is on my credit reports I ask this copany to send me something in writing with my signature on it showing that this account belongs to me they have not produced yet if they cant prove that it is my account then it needs to be removed from my credit file
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2021-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

YAMAHA MOTOR FINANCE IS SAYING I AM DELIQUENT OR IN ARREARS ON MY ACCOUNT WITH REGARD TO INTEREST. MY LOAN IS CURRENT, I HAVE PAID ON TIME AND HAVE MADE SEVERAL PRINCIPLE PAYMENTS IN ADDITION TO MY NORMAL SCHEDULED PAYMENTS. HOW CAN I BE ARREARS IN INTEREST ON THIS LOAN? THE LAST 4 PAYMENTS I HAVE MADE HAVE ALL GONE TO INTEREST ONLY AND NOT PRINCIPLE AND INTEREST. WHAT KIND OF ACCOUINTING SYSTEM ARE THEY USING HERE? HOW CAN YOU HAVE A LOAN CURRENT AND BE DELIQUENT OR ARREARS IN INTEREST? THEY ARE NOT APPLYING MY PAYMENTS CORRECTLY. CAN SOMEONE PLEASE TELL ME WHEN THIS ACCOUNT BECAME DELIQUENT OR ARREARS IN INTEREST? WHEN DID THIS OCCUR? NO ONE AT THE CUSTOMER SERVICE LEVEL SEEMS TO HAVE AN ANSWER. CAN SOMEONE FROM UPPER MANAGEMENT PLEASE CONTACT ME REGARDING THIS ISSUE. I NEED A SR VP OF THE DEPARTMENT TO LOOK AT MY LOAN AND CALL ME BACK. SOMETHING IS NOT RIGHT HERE. LOAN NUMBER XXXX
Consumer complaint received 2022-07-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX BANK XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXXXXXX XXXX XXXX account # xxxxx XXXX, have 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 also states a consumer reporting agency can not furnish an account without my written instructions.