davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX  XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX  XXXX # XXXX Auto now financial XXXX # XXXX XXXX XXXX # XXXX XXXX15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from XXXX and Transunion it needs too be removed from XXXX as well
Consumer complaint received 2023-01-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (CA)

On Monday XX/XX/2022 I was trying to refinance my home and it was made aware to me that someone has used my information to co-sign for a student loan through College Ave. the loan amount is close to {$8000.00}. I have never co-signed a document for anyone before and now this is holding up my process to refinance my home.
Consumer complaint received 2023-01-30
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. (UT)

My sister stole my identity to open an internet account 20 years ago. Her name was connected to my social security number on my Equifax credit report. I filed a dispute to have her name removed, and they removed the wrong name from my account. They removed my name and kept my sister 's name on my credit account. They sent me a paper addressed using my sister 's name saying my actual name had been removed from the account. I tried to call them about this, but the agent said it has been changed to the correct name. My credit still says the wrong name.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX Bank accounts were requested to be opened with XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc. (AL)

I pulled my credit report on XX/XX/XXXX, and found an entry from Franklin Collection Service, claiming that I owe them {$750.00}. On XX/XX/XXXX, I sent them a certified letter seeking 100 % complete debt validation, within 30 days. The letter was delivered on XX/XX/XXXX. In response to my letter, The company sent me a billing statement with a message stating that the bill was validation of the debt. I called immediately to speak with someone, but could not reach an agent. I called on XX/XX/XXXX, and was told by their agent that the bill I was sent is validation of the debt.
Consumer complaint received 2020-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (NC)

Received two pace loans from ygrene. When sold house took a week to get payoff which showed up 15 mins before closing and they would not answer the phone. They overcharged me over XXXX as to what everyone calculated. They are charging interest until XX/XX/XXXX even though being paid off today XX/XX/XXXX. And added fees not expected. When I received loan was told it was like any other simple interest loan that can be paid off at any time with no penalty. Now they are saying it amortized Annual and I still have to pay the payment due on taxes XX/XX/XXXX ... which is not what the put on the payoff. They put XX/XX/XXXX ... They also have in the last year been very deceptive on other items that did not match what was told to me. Also told the interest added to the amount burrowed upfront was to pre pay the interest until first payment due XX/XX/XXXX. But in payoff never gave me credit for it. Also told first payment due XX/XX/XXXX but billed my mortgage co in XX/XX/XXXX and was paid so should be less interest since XXXX was paid 5 months early. And they are doing this to a XXXX XXXX XXXX XXXX  XXXX veteran.
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I have never missed or been late on the mortgage payment of any type in my 30 years of paying mortgages to various mortgage companies I recently refinanced my home through XXXX XXXX in XXXX Florida and he used Penny Mac and that's when the trouble begins they're climbing they're not receiving my checks they're charging me late fees they're sending me nasty letters and it just goes on and on I need help This began probably in XX/XX/2020 and is still continuing today I have two sets of nasty letters one dated XX/XX/XXXX XXXX dated XX/XX/XXXX and they're the exact same letter they don't even know what they're sending out it's a big joke
Consumer complaint received 2020-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

LNVN Collection company reported approximately {$3500.00} of XXXX XXXX XXXX XXXX prepaid credit card which had an original balance of {$300.00} and was paying agreed. 

The prepaid credit balance was incorrectly reported to credit bureaus without proper verification of Statements to reconcile payments history with incorrect amount reported in accordance with FTC XXXX with Federal Truth In Billing Disclosures and credit reporting act. Never given the opportunity to disputes and XXXX XXXX   XXXX XXXX failures to validate the inaccurate information as finisher with FTC guidelines and bad faith. 

There no company call XXXX XXXX XXXX XXXX  prepaid credit card company. 

All I got was a frivolous comment with no supporting statements. I am entitled to reconciliation statement with full disclosure.
Consumer complaint received 2023-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Credit Management Corporation (OH)

In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, XXXX XXXX XXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. XXXX & XXXX will not respond and failed to comply with any conditions of the dispute process.
Consumer complaint received 2021-09-02
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Harvard Collections, LLC (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$2900.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

For the past 2 days I have attempted to unfreeze my credit report with Equifax. I have been able to temporarily unfreeze my account with XXXX and XXXX without any problem. My wife was able to temprarily unfreeze her account with all three agencies. I have attempted to unfreeze my account with Equifax online and by their telephone computer. In spite of entering all the asked for data I continue to get a recorded message that they are unable to process my request. I even had a loan officer from the financial institution help me with this process but to no avail. I am not able to speak to anyone at Equifax re this problem. 
I am asking for help to have Equifax call me so that I may proceed with my loan application. Their customer service has been nothing short of dreadful. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (FL)

I am reaching out to Equifax and XXXX regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from Equifax / XXXX XX/XX/XXXX, XXXX XX/XX/XXXX addresses from XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

On or around XXXX I opened a XXXX Phone account on or around in XXXX I closed the account the contracts are only 2 yrs long then month to month after Jefferson Capital is reporting on my credit report that I opened an account in XXXX and that the account is open This negative remark is negativity impacting my credit I have communicated multiple times throughout several years with Jefferson Capital that this is not true by phone XXXX They also report an amount of {$670.00} on my credit Then in a letter report the amount {$330.00} would satisfy my debt This company does not have the ability to show any of the information they are reporting This company has created irreparable harm to my credit impacting my ability to obtain employment and housing. 
By intentionally reporting new open accounts with high balances.
Consumer complaint received 2019-05-30
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. ()

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX   XXXX {$2600.00}, XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX XXXX ; {$300.00}
Consumer complaint received 2020-05-05
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)

I'm a victim of identity theft. This student loan doesn't not belong to me. I have filed a police report concerning this matter Case number XXXX. I submitted this information & haven't got any resolution to it.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (MI)

This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

The following company had a mortgage on my home PNMAC XXXX I have the following late payment dates on my report : XXXX, XXXX, this was supposed to be under forbearance due to Coronavirus. I have health issues that prevented me from working as I would be considered very high risk. I called them and they could not help me. 

I can prove if need to be the health issues Had and still have as I'm fighting through them.
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

I was XXXX in XX/XX/2013. Was seen in XXXX Hosp. ER. The hospital failed to send bills to Workman 's Comp. They had the info when I was seen. Now I have collection agency bothering me. I spoke with collections and explained that these were not my bills. I gave them the name and phone number of the payor. These still sit on my credit report.
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.