davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and Equifax on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, Equifax, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

Last year XX/XX/XXXX, I have refinanced my mortgage loan from USBank home mortgage to XXXX XXXX. USBank home mortgage has retained my escrow Balance amount and has not returned the amount back to my personal account. When called USBank in  XX/XX/XXXX, they said they will send the amount in a check to my home address without an apology. They even said the exact amount they retained in the closed escrow account and that they are sending the amount in 2 weeks but its been more than 30 days and more than 15 months from the refinance closure that I have not received this escrow balance.
Consumer complaint received 2019-10-31
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)

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to Transunion, XXXX, and XXXX on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies Transunion, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX  @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have kept Equifax current with my personal information, including name changes and address updates. I recently wanted to unfreeze my account, but was denied access through the website, automated telephone system, and with the representatives. After the 4th person, I was informed that there is a name and address discrepancy. However, it was confirmed that the address and name I reported matched my online profile and what my creditors are reporting. The representatives at Equifax will not unlock my online account or help me via phone. I would like to temporarily lift the freeze so I can refinance.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (MD)

The name of the company is KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX they scammed me of my hard earned money and also reported bad payments on my credit they destroyed my credit and I cant seem to talk to no one, there is no office I know its a scam they need to be investigated
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: Experian Information Solutions Inc. (IL)

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX Not my account XXXX XXXX XXXX Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION. 
I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX on behalf of XXXX @ XXXX for the last three years. IQ reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections IQ Data International, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance IQ Data International furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) IQ Data International requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXXon behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

IQ Data International has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (MD)

I was denied credit in XXXX of 2017, I 've contacted Equifax on six occasions to request my free report. They advise me that there is a special department that I have to speak with and that they will contact me. Three months later I have not heard from anyone nor have I received my free credit report from being denied credit. I assume this behavior is due to litigation that I am involved in with Equifax. However it is unlawful not to provide me the requested credit report.
Consumer complaint received 2017-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (GA)

We refinanced our home earlier this year XX/XX/XXXX.During this process we discovered that the new company that 's servicing our loan had some extra fees involved to get the loan closed.When we asked what were these charges for they told us it was for unpaid property taxes that was due in XXXX that our previous mortgage company was suppose to pay out of our escrow account.We would n't have never knew that our taxes was in default in we was not trying to refinance our loan..I 've tried to settle this with my previous mortgage company and they are saying that they are not paying the back taxes back to us.We have provided proof that they have now been paid and we just want to be reinbursed for the money we had to pay which was their job to pay in out of our escrow account.Any kind of help with this matter will be greatly appreciated
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I accepted a service from XXXX XXXX a few years ago and upon receiving the service I was unable to access the service, I called repeated complaining about the lack of service and I kept getting a run around from the company so I decided to tell them to disconnect the service. 
After which their customer service rep constantly called me to pay for a service that I didn't get the use of, I refused to pay the {$260.00} so on XX/XX/2017 they sent my account to collection company EASTERN ACCOUNT SYSTEM, I have tried to dispute this many times but they keep reporting to the credit Bureau, this obviously affects my credit, I have been unemployed for almost 2 yrs and this bad report doesnt help my situation. 
Please help me
Consumer complaint received 2021-03-30
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. (VA)

I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not 100 correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The CBE Group, Inc. (MI)

We signed up to have XXXX/XXXX services in our home. We moved because of a job change and wanted to transfer this service to our new home. We wanted XXXX service at our new home, but we were told we could not have service. 

Later, we received a bill for cancellation charges. We did not cancel ; XXXX cancelled our service because it was not offered in our area. We were not in breach of our contract. We wanted XXXX   service. We called customer service about the charges after receiving the bill dated XX/XX/2018 with the cancellation charges. We spoke to XXXX from the Billing Department, reference # can be provided. He assured us this would be taken care of. We went into the service center on XXXX XXXX in Wyoming, and called the customer service number again on XX/XX/2018 and spoke to XXXX. He assured us the matter was resolved and the charges would be removed, so we put the issue behind us. 

We started receiving calls from a collection agency trying to charge us the cancellation charges. The collection agency told us we had to dispute the charges with XXXX. We wrote the attached letter and received no response. 

In order to stop further problems with our credit report, we paid the {$660.00} cancellation fee and hoped again the problem was behind us. 

We recently refinanced our home and discovered there is " serious delinquency '' listed on our credit report because of this issue. 

Thank you for your help with this matter.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (KS)

We purchased a new XXXX  car that was financed through Kia Motor Finance. 
Since day one, we have sent extra money above our schedule payment with the intent of paying the loan off early by having the extra money go to reducing the loan principal. 
We have paid enough that for the last 3 months our statement show we dont owe anything however we are still sending them about $ XXXX/mo. to go toward principle. Upon review of our statements I found this company is withholding interest that should not have happened. 
I called their representative on XX/XX/2021 and was told I have call them and request the extra money go against the principal. 
Kia Motor Finance has been ripping us, and probably several others off since we made our first payment.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NH)

I have two cards with Citibank - one is closed the other is still open. Last fall the card 's limit was reduced without notice after I made a large payment on the card. Today I got another email that the limit was reduced as I'm paying the balance on the open card down. I paid a significant amount down on this card last fall, and they cut my available balance to within {$50.00} of the current balance! 

Adding insult to injury is the fact I got behind on the closed card but worked very hard to stay current on this one ; within DAYS of me getting current they pulled this stunt on me! My family sacrificed in order to pay these people and I'm thanked with games like this? How is this legal? 

This continues to damage my credit score as I'm trying to dig out from more than six months of unemployment in the middle of a pandemic. Aren't they supposed to give notice before my limit gets reduced like this? 

Once the balance is paid off I plan on chopping this card up and sending it back to them because Citi has been AWFUL to deal with. They have some kind of robot reducing my available balance, thus making sure that it's impossible to dig out of this hole. 

I have attempted to get satisfaction from Citibank in the past and they are positively USELESS! They are the worst bank I've ever had to deal with.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-22
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. (TN)

US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me
Consumer complaint received 2019-10-31
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. (TX)

I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, Experian, and XXXX on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and XXXX section XXXX. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and Experian. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Consumer complaint received 2021-09-15
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: Merchants Credit Bureau, Inc. (CA)

An third party called XXXX XXXX XXXX XXXX sent my information and open a loan with Merchants Credit Bureau on XX/XX/2021. Without my consent, I had contacted XXXX from Merchants Credit Bureau who refuse to close the account. After I had explained this is a fraudulent account, I did not open this account
Consumer complaint received 2020-09-22
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. (TN)

US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me