davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
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. (TX)

The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.
Consumer complaint received 2022-07-07
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. (TX)

XXXX XXXX {$350.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$280.00} XXXX XXXX {$200.00} Inquires that i didnot authorize on XXXX to all except XXXX In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (NY)

I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.
Consumer complaint received 2023-03-08
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. (MD)

XXXX and transunion refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. XXXX says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want XXXX and transunion to follow suit
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have requested personal contact information that does not belong to me be removed several times from each of the Bureaus and they continue to report inaccurate information on my credit report in direct violation of my consumer rights. I believe it is negatively impacting me because there are accounts reporting that I don't recognize as well. I believe the unfamiliar accounts are reporting as a result of all the incorrect information being housed on my credit reports.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC (FL)

Amazing how XXXX these people are. Started off with XXXX XXXX as loan processor, supplied every item of paperwork they asked for, immediately, paid for appraisal ( which came in over sales price ). As soon as I pressed them for a clear to close, they wrote that XXXX was away and another person, XXXX, was taking over. More paperwork requested and supplied by me, closing is next week and they now say they need paperwork from the IRS, whom they say is " backed up '', so don't know if they can do " clear to close ''. 
Our credit is stellar, all paperwork asked for supplied, including filed tax returns. 
I should lose sleep over these people because they are incompetent 's, lazy, lack the funds to close or a combination of all 3??
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Pursuant to 15 USC 1605a finance charge defined, as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction should be the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 
Consumer Financial Bureau 1026.4 Finance Charge : ( a ) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 

Notice, Congress said the finance charge does not include charges of a type payable in a comparable cash transaction ( so any type payable in comparable cash transaction is excluded ). Making the RETAIL INSTALLMENT CONTRACT ACCOUNT # XXXX LOT # XXXX between BUYER XXXX XXXX and CREDITOR-SELLER XXXX XXXX XXXX XXXX XXXX is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract
Consumer complaint received 2022-03-28
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: PENTAGON FEDERAL CREDIT UNION (FL)

In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting 4 fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX XXXX accounts and one Pentagon Federal Credit Union account all 4 with balances reporting on my credit. I did not authorize nor did I open these accounts.The three XXXX accounts are reflecting past due balances for a total of {$1900.00} and Pentagon Federal Credit Union is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with XXXX or Pentagon Federal Credit Union. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three XXXX  accounts as well as the Pentagon Federal Credit Union account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted Pentagon Federal Credit Union and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All four accounts, 3 XXXX accounts and 1 Pentagon Federal Credit union account do not belong to me and should be closed and reported as fraudulent.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

On XX/XX/XXXX I received an alert from XXXX XXXX concerning a collections in the amount of {$4200.00} from NATLCRSYXXXX XXXX XXXX XXXX XXXX ( original creditor ). I do not know where this place is. I am born and have been raised in the State of MS almost my entire life. I have lived in XXXX, WI from the period of XXXX to XXXX until I return home to MS and have been living here ever since. Also in XXXX, I have discovered that someone tried to open up a credit on me at XXXX XXXX XXXX in the State of Texas and I put a freeze on my credit, but apparently this person was able to get an apartment in my name ( now how that possible I don't understand ). I have report this as an identity theft and would like this resolve as soon as possible.
Consumer complaint received 2022-01-21
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. (NC)

I have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

I KNOW THE CREDIT BUREAUS HAVE NOT DONE AN CORRECT INVESTIGATION INTO THIS COLLECTION ACCOUNT THATS SHOWING ON MY REPORT. THEY SAY IT WAS VERIFIED, WHICH I DOUBT IS TRUE BECAUSE IT'S NOT MY ACCOUNT.
Consumer complaint received 2022-01-21
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. (RI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP (NY)

I payed 2 credit card bills using bill pay with the key bank company and both of them were suppose to be there in 2 business days, however they were not received by my credit card company. These bills were for my credit card bill and because these payments did not go through as promised, the payment will be late and has already Impacted my credit score.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reported this numerous times and as of XX/XX/XXXX still showing the XXXX XXXX credit card ending in XXXX still open, where it is closed with XXXX balance.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I sent a certified letter to Experian disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine and they did not. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX which is a result of fraud since I did no authorize such account and should be removed from my consumer credit file immediately.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

Due to relocation, I cancelled monitoring services with XXXX XXXX in XXXX of XXXX  by phone. There was no outstanding balance or contract. I was told by a representative that the account was canceled. Starting XXXX of XXXX, the company started sending notifications that were forwarded by the post office, stating I needed to contact them about services. I contacted them and wasn't able to speak with management but spoke with rude representatives who insisted that I owed them money and that I had services with them that were currently being used. Today, I received a letter from Sequium Asset Solutions stating I owe {$140.00} and they're attempting to collect the debt. I called them 5 times and get disconnected each time I start telling the representative why I'm calling.
Consumer complaint received 2022-01-21
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. (RI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 around XXXX central, my PayPal account was illegally accessed, and all of my savings were converted to USD from BTC. The perpetrator ( s ) then transferred the funds to another account of mine that was hacked as well on XXXX XXXX. The perpetrator ( s ) also attempted to siphon two payments from two other hacked PayPal users, under the guise of my identity. The two individuals received their funds back, but I have not. PayPal appears to have done an improper investigation, and has barred me from services, and most importantly, has frozen my account for up to 6 months, including my social security. PayPal does not acknowledge the events as fraudulent, and has instead punished me, the primary victim. Not only have I lost my savings, but my social security check for XXXX is being withheld from me, and that is a hindrance to my survival. Again, I have done nothing wrong. Someone usurped my account, and successfully attempted to profit from illegal gains. I trusted PayPal ; they have mishandled my funds, refused to acknowledge what occurred, and left me with the damages of a crime. I am XXXX, they have not reimbursed for the theft, and they are currently withholding my social security for no apparent reason. There has been no further illegal activity, aside from this atrocity.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2022-01-21
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. (AL)

This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX TD Auto Finance put a negative 30-day late payment on my account. I have been paying the same, fixed amount every month for over 6 years. After reviewing my payment history provided by TD Auto Finance it clearly shows that NO payment was ever 30 days late. My final payment was due on XXXX and it was paid on XX/XX/XXXX. I contacted a supervisor and was told that typically clients are supposed to get a statement for the last month of the loan but since I had auto bill pay set up those statements didn't generate. The supervisor also said that it was unusual I didn't get contacted because after looking at my account there was never an email, statement or phone call sent to update me on the balance ( they had my correct contact info on file ). This is clearly a TD Finance error and TD Auto Finance recognized it on their end because they removed the late fee. However, they are still reporting a negative 30-day late mark on my credit causing My score to drop over XXXX points because of their inability to properly & transparently bill their clients. Now I can't get a mortgage due to this unfair situation.