davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
Consumer complaint received 2018-02-20
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: SUCCESS MORTGAGE PARTNERS, INC (MI)

Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rossman & Co & PCB (OH)

Recently while conducting a monitor of my credit report I discovered that ROSSMAN & CO has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from ROSSMAN & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (TX)

I received a letter from an Attorney on behalf of American Express. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

This is just going to far and American Express is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also American Express statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Also American Express keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, American Express has civil liabilities and can be held criminally liable.

American Express has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Upon reviewing my payment history with my mortgage loan ( one of the attached documents ), I noticed several discrepancies that seem out of the ordinary, and that no explanations have been offered by the loan servicing company, Bank of America.

1. Excessive payment of homeowners insurance premiums throughout the life of the loan. ( Ive attached a spreadsheet with the information. ) 2. Adjustments made on XX/XX/2014 ( page 10 on the loan payment history document ). Before the adjustments the principal balance was {$210000.00} and after it was {$220000.00}. Thats a jump of {$12000.00} with no explanation.
Consumer complaint received 2021-11-29
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. (GA)

I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not give me lawful consideration only XXXX can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.
Consumer complaint received 2019-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASHCALL, INC. (CA)

This is not a duplicate complaint : This complaint is based on information obtained from the company. I am legally entitled to file a new complaint based on inaccurate or non-existent information. 

Cashcall refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. They claim the documents and loan originated from an IP address ( XXXX ) that is not in service anywhere near where I live and work. This loan has been contested over 6 years. The company claims I owe $ XXXX in one statement and then $ XXXX in another. The company claims to have made courtesy calls, that XXXX XXXX XXXX has no record of. The company claims to have forms and documents that they can not provide. 

Based on the information provided in complaint XXXX and prior complaints which is incorrect, I am filing a new claim. These are not redundant.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with AC
CT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Yamaha Motor Finance Corporation USA (SC)

This loan was for the purchase of a boat. Start date XXXX XXXX with Yamaha Installment Financing,  XXXX XXXX. Beginning XX/XX/2020 Yamaha Motor Finance Corp. U.S.A. took over these loans and they are no longer serviced through XXXX XXXX  . 
The XXXX statement was sent by XXXX XXXX. Our payment was made to XXXX XXXX, XX/XX/2020 with a due date of XX/XX/2020. 
We received a letter from Yamaha Motor Finance Corp after the payment was made, instructing us to update payment information after XX/XX/2020. The account number was off by one digit. I have been trying to call them since Saturday XX/XX/2020 and can not get thru. The recording says 1 hour wait time due to heavy call volumn. I have made several attempts to reach them. They sent two more letters, one correcting the account number and the other that we are past due on our payment, will be charged a late fee and a negative credit report may be submitted to a credit reporting agency. 
XXXX XXXX  now has a recording that these loans are no longer serviced through them and to call Yamaha Finance at XXXX. Then the call disconnects. Everyday I try to call and several times a day and can not get thru. a/c XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-01-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-16
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. (NJ)

To whom this should concerned Ive been in contact with Equifax for a little of a year now with no resolve of them correcting incorrect information that are reporting on my credit report. Theres short response is always the same this information is accurate and has been verify by their company. Seeing that we are aware that this is just automated response I completely understand why they keep sending the same response. Thats not my issue my issue is that this information does not belong to me should not be on my report. Now it is Equifax duty legally to help me with my own investigation by providing the information and the actually people involved in verifying this incorrect information which they continue to ignore my request. 
Equifax is in violation of so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A- congressional findings and statements of purpose, & 15 U.S. Code section 1681B-Permissible purpose of consumer reports & 15 U.S. Code section 168E. I respectfully request to be providing proof of this alleged items, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please. 

My credit is very important to me. If your agency continues to list these inaccurate items on my credit report. I will find necessary to sue you for actual damages and declaratory relief under the FAIR CREDIT REPORTING ACT & FDCPA. 

The accounts involved in this matter are listed as followed : DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX Im at this point begging for this matter to be handle sooner than later I've been deny housing and job opprotunites because this incorrect information.
Consumer complaint received 2022-01-16
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. (VA)

I had my wallet taken from my gym locker with all of my identification information. I recently reviewed my credit report and noticed that there are a bunch of fraud request from companies that I did not complete an application for. Please delete this fraud information from my credit report.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

On XX/XX/XXXX I got served with a summons ( no court date ) by plaintiff and debt collections agency, XXXX XXXX , XXXX, stating that I owe them over {$17000.00} in damages from a student loan opened in XX/XX/XXXX for The XXXX XXXX of XXXX ( branched from XXXX XXXX XXXX of XXXX XXXX XXXX ). This is the first I have heard of XXXX and this loan, which prompted me to do research, initiate XXXX XXXX, and reach out for help ( I have notes of companies I traced back to as well as names of individuals I spoke with ). The complaint included a copy of a Loan Agreement with my signature, but once again, I have no recollection of this document ever existing. The XXXX XXXX have all been shut down due to a lawsuit against XXXX ( XXXX XXXX XXXX ) involving fraud in their financial department, and I believe it may be tied into all of this. XXXX itself is nonexistent on my credit reports but previous holders, AES ( American Education Services ) /XXXX, are. I have been given different information each time I spoke with AES except : the AES/XXXX account was opened in XX/XX/XXXX then closed in XX/XX/XXXX, which they say was when I last made payments ; however, I have not made ANY  payments to this account whatsoever! I only have two loans, both for XXXX XXXX XXXX of XXXX : one private ( XXXX  ) which was charged off, and one federal ( XXXX ) which I am currently paying.
Consumer complaint received 2021-02-09
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 have 2 accounts on my credit report of which i do not recognize. I have submitted all necessary documents including a police report. The 2 accounts in question are below. 
XXXX. XXXX XXXX XXXX 2. XXXX XXXX XXXX According to the FCRA 605B these items must be removed within 4 days I do not recognize the adresses below and would like them removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX I demand these accounts / items are removed from my credit report
Consumer complaint received 2021-04-05
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. (CA)

Hi, There is an incorrect hard credit inquiry from XXXXCards on my Experian file. After trying to work with them for over an hour on the phone, the Experian rep wouldn't even take my dispute even though XXXX cards specifically told me to reach out to Experian to get this resolved. This is urgent. Can you please help get this resolved?
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (NM)

On XX/XX/XXXX I received a call from Western Shamrock on my work phone #. I made a payment via phone that same day & I asked the caller not to call me at work anymore. She stated as long as I did not ignore her phone calls on my cell phone that she would stop calling me at work. I informed her that I could not receive personal phone calls at work. Since then they have called me multiple times on my work phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I want these calls to stop