davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$200000.00}
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

After closely reviewing my credit reports, I have established that Wells Fargo Auto ( WFDS ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting WFDS a notice that they are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.
Consumer complaint received 2022-07-09
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. (SC)

These are inquiries I do not recognize and i have asked for them to be removed several times and in accordance with the Fair Credit act this violates my civil rights. 

XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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. (GA)

PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the XXXX XXXX CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I have no clue what this debt is or who the creditor even is. This is not my debt, I have never saw this debt before. I have tried over and over to contact this company, dispute this debt, asked for clarification of this debt, and done everything that I can do to prove that this is not my debt however month after month there is no true and proper investigation. There is no response given to me that proves this is my debt, there is no description of what this debt even is. It says XXXX on my credit report. And this debt has been removed from my XXXX Credit report however it is still there on my XXXX. This is not my debt and I have no idea where it came from.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I called to cancel my Citi Thank You credit card account when the yearly fee of {$95.00} posted to my account. I called on XX/XX/2018 and during the call decided to keep my account open as I was told the $ XXXX   yearly fee would be refunded after 3 months of {$1000.00} 's in purchases. I have used the card for 4 months with over {$1000.00} in purchases each month and have not had the yearly fee refunded, as Citi Thank You promised. 
When I called Citi Thank You on XX/XX/2018 to ask about the refund the customer service representatives hang up on me immediately. First time it was XXXX, and the next time it was XXXX. XXXX pretended he could not hear me and hung up within 3 seconds of us being connected. I heard someone talk to XXXX softly ( I could not understand what was said ) right after he asked me for the account number and then he just hung up.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-25
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. (NY)

On XX/XX/2022 and on XX/XX/2022 I send XXXX letters to Experian informing Experian of them reporting incorrect addresses and employment history on my credit report, along with proof showing my correct address. On XX/XX/2022, I even send then a final notice to delete the incorrect addresses and employment history, and when I checked my account with Experian on XX/XX/2022, I notice that they did not removed the incorrect addresses and employment history from my credit report. Experian is reporting address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, which is incorrect. You see I never lived there. Experian is also reporting incorrect employer such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which I never worked there either. I an giving you permission to contact Experian on my behalf to have Experian remove the incorrect address and employer information off my credit report. You can email me or send me updated information through the mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX showing that Experian has complied with yours and my request. Thank You!
Consumer complaint received 2018-08-28
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: National Credit Systems,Inc. (AZ)

I have disputed a debt that is not mine with the collection company National Credit Systems for amount of  XXXX dollars. I have also disputed the debt to the credit bureaus and they claim the debt was valid. I have never lived nor have i ever done business with the creditor XXXX was collecting for. I have asked for proof the debt was mine and the company was unable to provide anything with my social security number, date of birth or address. Nothing was provided showing i signed any contract or provided any banking information to this company i have not heard of. This account was closed on my credit a couple times and re opened by XXXX illegally. XXXX never sent any letter giving me a chance to dispute prior to reporting negatively on my credit. I am asking this be removed from my credit and collections actions be stopped as this is not my debt. 

Thanks!
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX XXXX with no successful resolution. XXXX, Experian and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX reporting negative information on my report. 

XXXX XXXX charges to receive a loan that isnt actually received by the consumer up front. 

Because I never actually received the loan, XXXX  should in fact owe me money to complete the account. 

It should be a violation of FCRA for XXXX XXXX  to report derogatory information when product was never actually received.
Consumer complaint received 2022-11-16
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: OneMain Finance Corporation (NY)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : 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 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 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 ONEMAIN POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I sent XXXX XXXX XXXX ( sub-servicer of Lakeview Loan Servicing , LLC ) notice of debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g requesting the following : SPECIFIC ITEMS REQUESTED 1. What is the name and address of alleged creditor?

2. What is the name on file of alleged debtor?

3. What is the alleged account number?

4. What is the address on file for the alleged debtor?

5. What is the amount of alleged debt?

6. What was the date this alleged debt became payable?

7. What was the date of the original charge or delinquency?

8. Was this debt assigned to a debt collector or purchased?

9. What was the amount paid if debt was purchased?

10. What is or will be the commission for debt if collection efforts are successful?

11. Have any insurance claims been made by any creditor regarding this account?

12. Have any judgments been obtained by any creditor regarding this account?

Please attach copies of the following : 1. If applicable, the agreement with your client that grants any collection agency the authority to collect this alleged debt.

2. The signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

3. Any agreement that bears the signature of debtor, wherein agreed to pay creditor.

4. All statements while this account was open.

5. The name and address of the bonding agent for all and any debt collectors involved in the collection of this alleged debt 6. All insurance claims made by any creditor regarding this account.

7. A full audit trail and all Forward Flow agreements 8. All transfer notices pursuant 12 CFR 1024.

9. The company 's debt validation process 10. Proof that the company completed the debt validation process.

11. Proof that debtor has validated debt.

They replied with following documents : security deed, Loan Estimate, Closing Disclosure, Account History, Annual Escrow Account Disclosure Statements, Conventional Breach Letter, and six months of monthly statements.

I am now demanding Lakeview to delete this account since it has not been validated, zero out the balance on this account, grant me my title lien free, pay the attached invoice and compensate me for every violation labeled in the attached exhibits, Deletion of any of my accounts with them from all consumer reports. 

1. Lakeview did not provide a legally binding contract between them and I.

2. Lakeview did not provide any legally binding Flow Forwarding agreements or legal audit trails.

3. Lakeview did not identify the original creditor.

4. Lakeview did not provide the steps or a process of debt validation investigation.

5. Lakeview did not provide evidence that they actually completed a debt validation investigation.

6. Alleged debtor ( myself ) disputes the validity of the debt with alleged creditor ( Lakeview ).

7. Lakeview did not provide any transfer notices from original creditor pursuant 12 CFR 1024.
Consumer complaint received 2022-07-09
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the Fair Credit Reporting act FORD MOTOR CREDIT COMP 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 2022-03-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I'm not the smartest man. Titlemax told me to make payments and I did. Now, after making the XXXX monthly payment their app said to make, they are telling me I have to pay XXXX now or they will take my car. I asked the employee that called me if there was anything I could do. She told me they can only help if I pay the amount. I don't have XXXX dollars to renew the loan. I thought XXXX a month was my payment. I can afford that. I can't afford to pay XXXX to extend a loan.
Consumer complaint received 2018-08-28
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)

Transunion removed an account from my report because it was fraudulent, and they illegally inserted this same account back onto my report.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I was less than 60 days past due on my payment but the company reported me 60 days past due. I called the call center on XX/XX/XXXX. I gave my husband verbal authorization to speak to the agent. The agent explained to us that their company only reports negative reporting when an account is 60 days past due. The agent confirmed that the XX/XX/XXXX payment was made on theXX/XX/XXXX. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. We made a payment on XX/XX/XXXX it was returned, and that was our fault, thus the XX/XX/XXXX payment remained outstanding, once we became aware that the prior payment was returned, we paid it again when we paid the entire balance on XX/XX/XXXX. All these due dates and payments as described here are not in dispute with the credit card company or us. The dispute arises when the agent explained that the XX/XX/XXXX payment, which was not made until XX/XX/XXXX, was actually 60 days past due based on the billing cycle. That is wrong, I can't wait for them to pull out some fine print to somehow explain that a due date printed on a statement is not really the due date. Once I get whatever answer that I can not even conceive of, then I will move to phase two of this complaint on how deceptive a practice it is to have a due date not really be the due date.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Investigative Concepts, Inc. (FL)

Applying for XXXX  XXXX 's License and twice thru background check I have a contempt of court show up that happened 15+ years ago thru previous divorce.How long does this stay on record? Bankruptcy comes off in 7 years WHY does a contempt of court b/c of bad marriage stay on for a life time?? Any help would be greatly appreciated Thank you God Bless XXXX XXXX
Consumer complaint received 2022-07-09
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 ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-09
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. (FL)

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Recovery Solutions Group, LLC (CA)

I have XXXX  XXXX and am supposed to be at home resting not being called by Recovery Solutions Group at XXXX XXXX pst regarding a debt. The same debt that Recovery Solutions Group is trying to collect on I have already given notice to their client that I do not wish to be contacted by telephone because I am represented by an attorney and yet they have ignored this by calling me and doing so leaving a voicemail per the attached at XXXX XXXX. 
I want XXXX to stop calling me.
Consumer complaint received 2020-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

My VA Loan was purchased by XXXX in XX/XX/XXXX. They are in the process of selling the loan to New Rez and the transfer will occur on XX/XX/XXXX. My home is in escrow and will fund on XX/XX/XXXX but New Rez stated that they can not accept the payoff until XX/XX/XXXX which will accrue an extra {$700.00} plus in interest and delay the close of escrow. I've been on the phone with New Rez for over an hour with no resolution. 

The New Rez account # is XXXX The XXXX account # is XXXX My name is XXXX XXXX XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX My phone # XXXX My e-mail is XXXX Thank you
Consumer complaint received 2018-07-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX.   I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.