davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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)

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them DELETED. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code , imprisoned for not more than 2 years, or both. This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. Sincerely, XXXX XXXX
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAPIO PARTNERS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-05-18
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. (FL)

In the month of XXXX, I submitted a dispute to Experian in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting XXXX they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus ( XXXX ) yet now that same Bureau is not acknowledging my dispute towards items they expose me of.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Im contacting cfpb be because transunion is committing fraud, by putting a debt on my credit report thats not supposed to be there period and I sent in the documents to prove it and yes transunion removed it with the help of cfpb the first time. About two or three months ago they put it back it but it was XXXX I did try to dispute it, I called customer service reps refused to let me talk to higher management, but I had so much other stuff going on I just let it be. If u notice for them to put that 3 million on my credit report the had to rearrange the date to XXXX. This was done on purpose. And it also involved discrimination on the basis of XXXX of skin, and they think im illiterate. This is definitely a crime.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC (GA)

Hi I am XXXX XXXX, I co-signed for my friend to buy CAR from WESTLAKE FINANCIAL SERVICES on XX/XX/XXXX. But car got stolen on XX/XX/XXXX, and filed the police complaint on same day. The car is stolen, and same information is passed to WESTLAKE FINANCIAL SERVICES. If car is stolen, how we are responsible for the payment?? 
They keep on reducing the my credit score ( initially, it is XXXX ) without contacting me. I tried several times to contact them, but they are keep on holding the calls for several hours, but ultimately no is able to solve my problem. Vehicle got recovered by Insurance on first week of XX/XX/XXXX. Now issue is Insurance company handed the car to Title owner ( i.e..WESTLAKE FINANCIAL SERVICES ) and the car is with dealer. There is some negotiation going on between dealer and WESTLAKE FINANCIAL SERVICES. 
In the Meanwhile, my CREDIT SCORE is reduced to XXXX and surprisingly my creditcard limit is reduced from XXXX $ to XXXX . 
It is not fair at all. I am not the owner and car was stolen and no proper communication services from WESTLAKE FINANCIAL SERVICES.
Consumer complaint received 2022-08-29
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. (NC)

I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-29
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. (NC)

XXXX : {$9100.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : {$820.00} Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX : Inaccurate reporting amount across for each CB. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX : It's reporting as a derogatory AND a collection for XXXX. 
Dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I have reached out and sent multiple letters to CB AND Collectors. I have not heard anything from anyone. Above as you can see ALL of the dates I have reached out. I have sent numerous of letters and not once I have received anything. 

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. CORRECT? However they are in Violation. 

PUBLIC RECORDS : Chapter XXXX Bankruptcy ( XXXX ) They are stating that the item has been verified. I have sent in multiple letters showing proof ( A COURT LETTER ) stating they the courts DOES not report any information to credit reporting agencies. I have also sent in proof from my XXXX report that the item has been REMOVE because it was unable to be VERIFIED. Please remove inaccurate information from my report IMMEDIATELY. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. )
Consumer complaint received 2022-03-29
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. (SC)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) please remove one of these inquires. I did not authorize anyone employed by these companies to make any inquiry or 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 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. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-05-18
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: CONTRACT CALLERS INC (AL)

There is a collection account that just appeared on my credit report. I have no idea what this is or who this is for because I have received no communication from anyone regarding this debt. Because of this, I can not confirm if this is a debt that would have been owed nor was I given the opportunity to dispute this debt should it be found to be incorrect as required by law.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (TX)

Service Finance are liars and are charging me interest on my HVAC loan and I am not 30 days past due. On XX/XX/XXXX they charged me {$57.00} in interest. On XX/XX/XXXX they charged me {$93.00}. I believe on or about XX/XX/2019 they payment system fraudulently took {$320.00} from my bank account and I only authorized {$160.00}. I filed a fraud complaint with my bank. My bank got my money back. Also Service Finance returned the {$320.00}. I filed the fraud complaint to document their fraud actions. Service Finance was only to return the difference {$160.00} because I was trying to earnestly make my payment. Now they are retaliating against me by charging me unlawful interest! This is an Interest free loan! Also they reported me to the credit bureau that I was late and also classified the loan as Real Estate! This is also another fraudulently activity they have performed against me! I hate these people! They are snake liars!

I want the interest removed from my account it is fraudulent!
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Spoke to a XXXX XXXX who stayed he was from One Main Finical Group stated I was approved for a loan for XXXX. I was instructed because of my credit score that I would Need XXXX   ( XXXX ) insurance and that I would need to purchase a card at a store that sold gift cards. When I arrived at the store no XXXX gift cards were available ( as doing research after the fact there arent any ) I was told to purchase XXXX and an XXXX card as XXXX and those companies work together told by XXXX to me. Insurance for the loan amount was {$250.00} XXXX  card was purchase for {$200.00} and XXXX   XXXX for {$50.00}. After information was exchanged I was told that the state was holding up the transfer and I would need to pay an additional {$1000.00} in taxes payable by the same way. After doing a little research and noticing after looking in the internet that the number I was being called from was not the number in website for One main financial I called number on web and was told it could be a scam as they would never ask for any money up front and I was referred to this site. Numbers that I received call from ( except for one ) or now out of service and other just rings now.
Consumer complaint received 2024-06-01
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: JPMORGAN CHASE & CO. (PA)

In XXXX XXXX  I received a letter from JP Morgan Chase regarding an application they received for a new credit card account. They wanted additional information to complete the application. I immediately contacted them to say I did not make this request. They discontinued the request and placed a fraud alert. I contacted the state police and filed a report. I contacted all 3 credit bureaus and placed a fraud alert and a freeze on them. I submitted the report that was given to me and the only bureau that will not remove it is XXXX. They stated I needed a report from the FTC to remove it.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I sent a letter earlier this month asking Equifax to update my personal information, I sent in all the documents they requested to verify it was me on XX/XX/XXXX, XXXX XXXX. I checked my credit report to today and to my surprise, they are still reporting incorrect information even though I asked them to update my records, this is becoming frustrating because i wan na move forward but this company is making it very difficult. I sent a copy of my I.D, SSN card and A piece of mail with my information matching the Address on the I.D . Letter is dated XX/XX/2022.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time. 
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc. 
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account. 
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus.. 
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again! 
Something needs to be done immediately, because this is getting really ridiculous now.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a automated phone from XXXX XXXX XXXX   company phone number XXXX XXXX XXXX in regards to a old debt past 7 years and asked me to press 1 to speak to an agent which I did. 

Mrs XXXX answered and tried to collect on a HSBC debt from more then 7 years ago. I advised her that I am under Bankruptcy protection filed in the state of Texas and she need to speak with my Attorney and then she started to threaten to file a law suit after which she disconnected the phone call.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a " XXXX '' instead of an " XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not corrected.
Consumer complaint received 2022-03-29
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. (MD)

I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.
Consumer complaint received 2019-11-21
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. (CA)

I have been the victim of identity theft and medical fraud. Experian and XXXX ( who exposed my personal information in the data breach ) have left collection accounts on my reports that I have submitted to the police and submitted subsequent reports to both bureaus. They know I am an identity theft victim, yet continue to post the derogatory information from " XXXX XXXX " who also has been reported to the FTC for their actions. The fraudulent information remains on both reports, and I can get no resolution. XXXX gave me no issues about this, did the right thing, and promptly removed the fraudulent information.
Consumer complaint received 2022-03-29
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. (AZ)

XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXade on : XX/XX/XXXX Made with : Transunion Made by : XXXX DC XXXX on : XX/XX/XXXX Made with : Transunion Made XXXX : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made XXXX XXXX Transunion Made by : XXXX XXXX XXXX on : XX/XX/XXXX Made with : Transunion
Consumer complaint received 2022-03-29
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: LEXISNEXIS (IL)

Lexis Nexis, and XXXX have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court