davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : {$6200.00} XXXX  XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.
Consumer complaint received 2015-10-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My husband died in 2011 and his military pay had stopped coming in. And I had very limited income coming in. I had XXXX twice since his death. And they keep hounding me to pay this and I just do n't have the money to pay. I do n't think I should pay the price with my credit being ruined because of my husband passing away. They are also reporting several other credit cars to my credit file to. And double reporting for XXXX who is also reporting.
Consumer complaint received 2019-02-24
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)

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting XXXX accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC XXXX XXXX to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. '' Lastly I filled a complaint with the FTC on XX/XX/2016 # XXXX as a result of XXXX noncompliance to FDCPA and FCRA.
Consumer complaint received 2017-05-23
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. (FL)

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days , 34 times  and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's  on two occ asions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-02-24
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)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fay Servicing, LLC (PA)

Please realize that this is NOT a duplicate request. My loan servicing agent is NOT adhering to my HAMP modification. 

In XXXX, entered into a HAMP modification with XXXX Mortgage. Part of the modification includes a Borrower Incentive of {$1000.00} to be credited towards my principal balance annually as long as the mortgage never becomes 90-days delinquent. ( My mortgage payments have never been marked as later since entering into the modification. ) My loan servicing agent has changed from XXXX Mortgage to XXXX and finally to Fay Servicing. This borrower incentive has always been credited to my account on XXXX XXXX in XXXX, XXXX and XXXX when with XXXX and XXXX XXXX. My loan was transferred to Fay Servicing in early XXXX and I have not received that borrower incentive as of yet. I was originally told that it was due to an issue with the transfer to Fay Servicing and the Fed but that it had been corrected in early XXXX. They have credited my account {$830.00}, not the contractually required {$1000.00}. I have tried to communicate with my account manager XXXX XXXX at Fay Servicing in writing via email but have not received any communication back. 

I am requesting assistance in getting the remainder of the contractually obligated borrower incentive credited to my account and backdated to XXXX/XXXX/XXXX so that I am not accruing interest on that principal. 

Today, we are 149 days past the date this credit was due. As a homeowner, if I was & gt ; 120 days late, Fay Servicing may have already started foreclosure proceedings. 

Please help.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I currently have a first and second mtg with Suntrust Mtg co from XXXX Va. 
In XXXX XXXX I applied for a Mtg modification. I requested a mtg modification due to reduction in income from retirement. On XXXX XXXX, XXXX I spoke by phone with the modification debt, XXXX and XXXX, they advised of additional information needed. They were n't really helpfull just reading from a script. Then on XXXX XXXX I received a letter indicating that my application for modification was turndowned. How can one day add info is needed and then it 's turned down. I 've called for the rep assisgned to my application but never able to get thru ( XXXX )
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (KS)

Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Contacted Collection Agency Was Told To File Complaint With Credit Reporting Agency. Filed Complaint.Was told It was Mine No documentation Contacted XXXX XXXX Wanted Me to furnish State ID and SS Card This is fraud Did Not feel comfortable Sending Personal Information to them.
Consumer complaint received 2019-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NH)

Received a title loan from one main financial. Was told the interest rate but now it seem to be much higher than orginal quote. Also, I have made 14 payments in the amount of {$150.00} bi- weekly this was suggested to pay off the balance quicker and I added an extra XXXX to the payment. If the interest rate is 38.98 % of a XXXX loan and only a {$1000.00} dollars of {$2100.00} dollar payment it seems to me that the interest rate is higher than expected.
Consumer complaint received 2016-05-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I have been pursing a short sale process with, Chase since, XXXX XXXX, XXXX. The XXXX lender, XXXX ( since submitting a complaint with CFPB in XXXX XXXX, XXXX ) has granted me permission to pursue a short sale of the property. Chase, is a the XXXX mortgage, which is a Home Equity Line of Credit. Chase continue to delay making a decision on my case. I can no longer afford to keep the home, due to a financial hardship. I am retired, and living on a fixed income. The home is a XXXX-story townhome, with XXXX steps. I am experiencing health problems, which requires me to see several physician monthly. My medical expenses are costly for treatments and medications. Heating and cooling of the home is over {$1800.00} a year. I am faced with expensive, emergency home repairs, and on-going maintenance. My income can not keep up with the cost to maintain the home. 
I have complied with all documentation requests from Chase. I have submitted all information accurately and timely since, XX/XX/XXXX.Chase continue to delay making a decision on the short sale requests. I have sent multiple repeated documentations to Chase. They have no justification to continue denying me approval to short sell the property. At the present time I continue to receive warning letters of threatening to foreclosure on the property, in spite of being in a short sell process. I truly feel as a XXXX year old, XXXX that I am being treated unfairly by Chase. I need your assistance with investigating my case to find out why Chase will not come to a decision on my short sale request.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Every month started on XXXX day, Chase XXXX Department calls me regarding my mortgage payment. But by law, every mortgage customer has a 15 day grace period to pay. I get so afraid every time Chase Collection before my grace period ended saying " THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAIN WILL BE USED FOR THAT PURPOSE. '' The customer service rep always insist the only way to stop the collection calls, although, i 'm never late, is to request a COMPLETE CEASE & DESIST of all future communication. 
I find that to be very disturbing, as i am not requesting all future communication to stop, only the collection attempt ones for payment that is n't pastdue yet. 
I suffer emotional pain and distress after each call.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Ladies & Gentlemen, On XXXX/XXXX/15 I learned my credit card had been used fraudulently to obtain a credit report and background check. I immediately cancelled the card and renewed a fraud alert on my credit report. Thanks to the fraud alert, on XXXX/XXXX/15 I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an attempt by someone to open a line of credit with my information. 

Please remove this credit inquiry from my credit report since I did not apply for this line of credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX Dear Transunion, I have the following information on my credit report that doesnt have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681B. Here ae the following hard inquires : Delete following inquiries due to violation of 15 USC 1681B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX balance.
Consumer complaint received 2015-05-11
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (PA)

I purchased a car from XXXX where they up charged me on the interest rate. I fell behind in my note due to a legal situation where my mother was overdosed causing her to die and I ended up with funeral expenses as well as inherited debt. As of today my car has been reposes and Honda would n't offer me a payment plan. But only a pay off amount of XXXX. I just recently settled my mother 's medical malpractice case and have a check that I am waiting to clear. I asked could they give me 10 days for the check to clear and they wo n't even allow that. Here it is I 'm trying to pay my car off and be done with them so they can be done with me. Only after over charging me for a car and giving me way less than what should have been given on a trade in with less than XXXX miles and XXXX driver in perfect condition.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

Dear LexisNexis, My name is XXXX XXXX, XXXX XX/XX/year>, last four of my Social Security Number is XXXXThe consumer report number XXXX. I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are multipule fraudulent items listed. 1, I've noticed some items listed under Section 8, Criminal Offense Records and Section 11, Department of Driver Services Records. I am requesting a very thorough investigation be conducted and verify the that the infomation listed is correct. As I know this information is incorrect because I have contacted TX DEPT OF PUBLIC SAFETY for items under Section 8 Criminal Offense Records for RECORD 1 and RECORD 2 and they have informed they do not provide any consumer information to any Credit Reporting Agencies and they do not show any information when I provided my personal identifiable information. I also contacted XXXX XXXX CRIMINAL COURT as listed under Section 11, DEPARTMENT OF DRIVER SERVICES RECORDS for RECORD 1 and RECORD 2 ( DRIVER LICENSE VIOLATION DETAILS ) and they to have informed they do not provide any consumer information to any Credit Reporting Agencies and they do not show any information when I provided my personal identifiable information. I have XXXX other relatives with the same name as myself and perhaps this is some sort of mixup. If they are not providing this information to you then where are you getting this erroneous information from? As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers.By Federal law you are requested to list complete accurate information and you are listing fraudulent items that do not belong to me. I request that you removed the items I listed immediately and send me an updated consumer report reflecting the accurate information.If this information still remains after your investigation, keep in mind that I am a litigious consumer and will not hesistae to file a lawsuit for violations of the Federal Credit Reporting Act.