davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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: ENCORE CAPITAL GROUP INC. (DC)

Collection Agency Midland Funding has purchased my original debt from ( XXXX XXXX XXXX, Delinquent Date XX/XX/XXXX for {$2600.00} ) and illegally re-aged this debt showing in my credit file to be a more recent debt as followed ( Midland Funding XX/XX/XXXX for {$2600.00} ) By this collection aging changing the debt Date in my credit file it looks like I 've just opened an account. I 've been working on my credit for almost 2 years maybe longer and I have n't applied for anything that required me to have my credit pulled.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: STATE FARM BANK, FSB (CT)

XXXX XXXX, the owner of State Farm in XXXX CT has been my life insurance agent for about 20 years and that is how long my IRA has been with him. 

Late last year XXXX XXXX took over State Farm IRA/Mutual Funds and only the agent - not telephone or online - trading/withdrawals could be perform these transactions. XXXX told me he didnt go for training and he whined - maybe I should just move my IRA account. 

I didnt know how to do that and XXXX messed up a transaction I have reported to all agencies and still no real satisfaction. I did recoup {$100.00} that he didnt have put into my checking account but when I discovered the $ error - XXXX did nothing to correct it. I had to go to XXXX and I dont know if they just took out more XXXX XXXX made 2 transactions for one simple {$500.00} cash request and messed up my IRA account. 

After a full month of trying to rectify this, I went over to XXXX. I couldnt have XXXX do any more transactions and XXXX refused to admit his error - giving me less $ for a transaction. 

I want the {$70.00} fee State Farm is charging me to transfer my IRA to XXXX refunded to me by State Farm. I have no access to my IRA $ which I need as a XXXX senior for monthly household expenses. This whole ordeal has left me without funds and its a real worry. I also have a XXXX daughter - its just the two of us. 

XXXX told me he could not get my {$70.00} and to just report it. 

Thanks for any help.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Consumer complaint received 2023-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

I sent certified letters to the company as they violated federal law reporting my payments as late to the credit bureaus. I have never given them permission to release my personal information which again violates federal consumer protection laws. They have reported me as late with payments. I want them deleted off of all the credit bureaus reports.
Consumer complaint received 2022-04-13
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. (TN)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX XXXX Account # 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 without my written instructions
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I applied for credit increase with XXXX XXXX  and was denied a week later I applied for new credit with XXXX XXXX XXXX XXXX XXXX and was denied. 

I received letter from both And discovered that they both pulled from Experian. 

Experian list my credit score at XXXX. 

I asked Experian provide a valid reason why my Experian credit score is a significant lower than XXXX XXXX XXXX XXXX When all three companies have the same information displayed on the credit reports. 


As of XXXX XX/XX/2023 Experian not address the grave issue, which has greatly affected my prospects for credit
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2017-08-29
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: EQUIFAX, INC. (NY)

this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since EQUIFAX REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XX/XX/XXXX NOT AUTHORIZED. PLEASE DELETE XXXX XX/XX/XXXX NOT MINE. PLEASE DELETE.
XXXX XX/XX/XXXX MINE.
XXXX XX/XX/XXXX NOT MINE XXXX XX/XX/XXXX NOT MINE. NO CLUE WHAT THIS IS XXXX XXXX XX/XX/XXXX DEF NOT MINE.
XXXX  XX/XX/XXXX NEVER HEARD OF THIS COMPANY, NOT MINE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE XXXX/XXXX XX/XX/XXXX NOT MINE.
XXXX XXXX XXXX XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX/XXXX XX/XX/XXXX NO CLUE WHAT THIS IS. PLEASE DELETE.
Consumer complaint received 2021-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

My Loan/mortage loan was transferred XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. I have for 2 weeks attempted to speak with a live person on the phone however I am unable to leave a message and the system pushes you through to the auto pay menu. They were also unable to accept my payment prior to my cut off because the system wouldn't recognize me as a customer. I have all of my transfer paper from my previous Mortage along with account number however I could not make my payment. Also I am in immediate need to speak with account management due to some damage I had incurred and the home insurance is paying for repairs. Hower since I can not get in contact with a real person I don't know where to fwd. the insurance check for cosigning. so I am unable to start any repairs without this important piece of info. 

From my short prospectus of this company they appear deceptive and lack handling my XXXX Mortage Account as a Fiduciary. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

ive sent in disputes letter with certified mail and the report remained even after being inaccurate XXXX  case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to FRAUD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (TX)

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-13
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. (SC)

XX/XX/2022 XXXX and Transunion I have received a document stating that an account that XXXX XXXX is reporting is fraudulent. XXXX XXXX purchased a fraudulent account from the Original creditor XXXX XXXX. XXXX  XXXX sent me a document stating this account was opened du to fraud. Document attached.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (GA)

I applied for a PPP loan with XXXX on XX/XX/21, I was approved by the XXXX on XX/XX/21, I signed loan docs on XX/XX/21. I have been asked to proved ID 3 times with no result of funding being released. I am unable to reach a person by phone or email and the chat bots are unhelpful.
Consumer complaint received 2022-04-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

The name of our company is " XXXX XXXX XXXX. XXXX  '' For the past 2 years I've been trying to get Mr. CooperXXXX XXXX to correct our mortgage account, yet they refuse. Just recently I submitted proof of payments from our banking institution, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. At first, they ask for 40 days to research the problems with the posting of our payments. The person assigned to research our account errors was XXXX XXXX XXXX. He claimed to be a supervisor in Mr. Cooper 's " Research Department. 
XXXX XXXX XXXX responded by email with a letter attached on Mr. Cooper 's letterhead claiming that I did not send proof of payments and they wouldn't accept the proof of payment records from our banks. 
To support Mr. Cooper position he actually included a 27 page bank statement for a TOTALLY DIFFERENT COMPANY. XXXX XXXX XXXX XXXX XXXX. 

This bank statement included this companies account information, all of their financials and all of their transactions going back to 2020. 
When I called back to speak to a supervisor in the Research department all of the clerks refused to transfer my call and told me that they wouldn't accept my proof of payments and they would be starting the foreclosure process.
Consumer complaint received 2022-04-13
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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 XXXX  Account # XXXX ( XXXX XXXX in which they say i owe {$540.00}, and Account # XXXX in which they say i owe {$1700.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-07
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. (UT)

XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
Consumer complaint received 2018-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stephen Einstein & Associates, P.C. (NY)

I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages. The Letter has the Creditor as XXXX XXXX XXXX XXXX XXXX whoich never sent me a judgement letter or other letters about a lawsuit and also has listed an Attorney Stephen Einstein from Stephen Einstein & Associates, PC in New York, NY which I have Never spoken to or received any legal documents from them. The filed this judgement without my knowledge and without serving me court papers or shown any proof of this debt- what it is, who it is from as I have never made a purchase from either of the entities who have filed a judgement against me or provided proof of debt or ownership of debt. 

I was not sent a letter of Judgment, or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is and have not been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income for a debt from a company I have no knowledge about or have taken steps to prove I owe this debt. And have my day in court to fight it. I have no clue who these people are.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

This site takes all personal information and fails to provide a free credit report. 
Data Collection of Personal information including phone # s and not credit report ....

Their only contact information is what is listed below. A po box ....

Big Problem XXXX XXXX XXXX If you have questions or comments about our online privacy policy and fair information practices, please write to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-04-13
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX. XXXX XXXX XXXX Balance : {$79.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX : {$3000.00} XXXX. XXXX XXXX  XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00}