davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OK)

I have submitted several online disputes and have wrote several letters requesting information on the following account " CAINE & WEINER '' for XXXXXXXX XXXX '' that is reported on my XXXX and XXXX report. I have sent several debt verification letters asking them to prove this is my debt. This debt isn't mine! This is fraud! It will not let me open any more disputes online via the XXXX and XXXX website and that is against the law. Its been 30 days since I have sent them the debt verification letter and I'm requesting them to REMOVE CAINE AND WEINER from my XXXX and XXXX report ASAP per the LAW!
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have submitted SEVERAL disputes for this lender to all the bureaus and nothing is being done. I have submitted evidence supporting my claim only for it to not be removed from my report. My. score dropped by 70 points because of this error. XXXX XXXX did NOT send the the correct billing statement for 2 months after I returned my lease. I submitted a dispute about this in XX/XX/2019 and it was removed from my Experian report but not the other 2. I realized that later on and wanted XXXX XXXX to update that information showing NO late payments to the other bureaus as well. What did they do? The added the negative information BACK to my Experian report. What does XXXX have to say about their negligence? AM I supposed to suffer because of their mistake??? what is going on here? WHY is my account noted as 30 days late when I had wear and tear insurance that COULD NOT PAY the claim because of an error on XXXX 's part?? The insurance company could not pay the claim because XXXX put the incorrect amount on the BILL!!! no matter how many times I called and the insurance called they never fixed it until the end of XX/XX/2019!!! I got the bill XX/XX/2019 and the insurance paid it within the hour!! This was already explained and rectified in 2019 so why is it being re-added to my report?? I want an explanation and I want it removed ASAP. THIS IS A CRIMINAL OFFENSE AND I WILL SUE! Enough is enough. DO NOT FINANCE THRU XXXX!!! THEY WILL RUIN YOUR CREDIT EVEN IF YOU PAY EVERY MONTH ONTIME WITH AUTO PAY!!!
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (MS)

I was contacted by a company saying they are representing XXXX XXXX I have never gotten a bill from this company they still want to call me with no verification of debt no paper work just harassing calls for money with no verification of debt they are collecting. The company was told to stop calling they continue to call knowing they have been advised to stop calling this is harassment and not business you have never sent verification of debt nor proofing who you are that you have a right to call you have been told on numerous occasions to stop calling but yet you continue to call and state you will call again when you were advised to stop.
Consumer complaint received 2020-11-04
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. (CA)

I disputed 3 negative accounts on my credit report XX/XX/XXXX on XX/XX/2020 and received the results back report # XXXX 2 out the 3 accounts XX/XX/XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XX/XX/XXXX their verification is inaccurate I cant get my report from them, both trans union and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined credit!
Consumer complaint received 2021-05-27
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2020-05-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus
Consumer complaint received 2021-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$750.00} and {$340.00}, in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agencies phone representatives hang up in my face if I do not acknowledge the debt, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency refuses to assist with a validation in efforts to run out the time to request validation. This agency should be fined and ashamed as I have seen this agency do this to multiple people violating the rights we have as debtors and limiting the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what could potentially be older, non-obligated debts.
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 — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (CA)

Last week, Sequiim added a collection account to my credit report for XXXX XXXX I have NEVER had been contacted by them nor XXXX XXXX  for anything and have disputed with XXXX and XXXX. I have NEVER had XXXX XXXX. This collection account is not been vslidated and does not belong to me.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX In Accordance with the Fair Credit act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-05
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. (TX)

XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NY)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I recently checked my Transunion and XXXX XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my Credit Reports. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XXXX XXXX ) XX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MS)

I have a car loan agreement for with Ally Car Finance Company for 72 months on my car that I purchase in XX/XX/XXXX. My first car payment started in XX/XX/XXXX. According to the agreement I was supposed to be through paying for my vehicle XX/XX/XXXX. Ally sent me a notice stating that since I change my car payment date and got an extension on a car payment in XXXX and XXXX they added 6 more months onto my car payments which took the agreement from  72 months to 72 months and 6 months. I talk to several different agents with Ally to see how paying almost {$2600.00} more was possible just because of these extension and payment changes we have disputed this and have gotten nowhere.
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (GA)

I checked my credit report and found an account in collections that is not mine. The original lender for the account is XXXX XXXX XXXX XXXX opened 1 Years, 4 Months ago. The collections company is PARAMOUNT RECOVERY. I lived in Arizona years ago but have not been in the state since XX/XX/2016there is no way this account is mine. It is fraud and terribly hurting my credit file.
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-05-27
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: Exeter Finance, LLC. (MO)

They reported a loan payment as late when it was actually paid up ahead, it caused my credit score to go down 60+ points. It was fixed on the consumers report but not mine. I am a co-signer of this loan and the company never even contacted me in regards to the payments.
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (FL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My capital one cards are all paid off and I go into the XXXX app and it says I owe XXXX $ and another account idk I owe XXXX $
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Good evening, I hope this message finds you well. I'd like to formally report Experian to the CFPB. On XX/XX/2024, I wrote to Experian to inform them they are reporting inaccuracies on my credit report. The status of these four accounts were being reported in accurately : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I sent my letter on XX/XX/2024 and here 's the tracking number : XXXX The investigation was quick and Experian assured me that all these accounts were verified. So on XX/XX/2024, I wrote to Experian again and ask them to please send me proof of the investigation including communication between Experian and the Credit Furnishers. I told them that under the FCRA laws, if they can not provide proof of this investigation, they must delete the account. 
I sent my letter on XX/XX/2024 and here 's the tracking number : XXXX Please be advised that Experian only has 15 days to respond, if not they have to delete the accounts. If they continue to report these accounts as verified, they are breaking the law and should be dealt with immediately. Please help me in reprimanding Experian. Thank you.
Consumer complaint received 2022-04-27
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. (FL)

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

Dear 'Better ' ( XXXX ) Mortgage Company, I see that you have changed my closing date again! You show on my 'overview ' that the close will not happen now until at least XX/XX/XXXX. 

XXXX XXXX told me that my close date of XX/XX/XXXX " WOULD BE NO PROBLEM ''! I 'locked ' for 30 days because " that would be no problem '' she said. 

Better is purposely delaying processing and every day asking for just a little bit more information. So now, guess what, I will need a new lock. What will the new lock rate be? WHATEVER YOU SCAMMERS WANT? WHENEVER THE INTEREST RATES GO UP? FORGET IT! I HAVE BEEN SENDING YOU MORE INFORMATION EVERY DAY FOR THE PAST TWO WEEKS. I AM SICK OF THIS! THIS IS A SCAM! Luckily I am not in need of a new house like other poor people you scam. 

I have never had so much trouble getting a mortgage before - and I have had many in my life. Most banks get the information they need themselves. I'm doing all your work. 

PLEASE EXTEND MY LOCK PERIOD 'UNTIL CLOSE ' OR ADD ANOTHER 30 DAYS TO MY LOCK AND RE-ISSUE MY 'BETTER ' ( XXXX ) LOAN ESTIMATE!!!!!!!!!!!!!!!! 

I am resuming shopping for a mortgage with other banks. Keep your {$550.00} and merry XXXX! 

I will let you know if I decide to NOT accept your loan contract. 

Please send me a copy of your " appraisal '' whenever you look it up on XXXX.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

The person used another person 's pictures and made up a fake name and talked me into investment trading of cryptocurrency and then took my money from my account illegally. He told me his name is XXXX XXXX XXXX or XXXX XXXX XXXX, his phone number is ( XXXX ) XXXX, he lives in XXXX, and owns a house and drives a XXXX car. From talking with him, I think that he is a person from XXXX, and he works with this XXXX XXXX XXXX application, and uses his fake identity to trick people to invest in cryptocurrency with him and then stole their money. He asked me to transfer money of {$85000.00} dollars to my coinbase account, and then transfer to a XXXX online website application called XXXX XXXX. He helped me with trading investment, but after the transaction is done, I could not withdraw money from my account and my account got disabled. And then he asked me for another 35,000 and also threatened to kill me many times. Met this unknown person on the XXXX application. Said his name is XXXX XXXX XXXX and XXXX XXXX XXXX and that his birthday is XX/XX/1986. Also stated that he lives in XXXX XXXX XXXX and drives a XXXX XXXX. Talked me into investment of cryptocurrency, and transferred investment money of the amount {$86000.00} from my Coinbase to a XXXX online website called XXXX XXXX. After helped me with trading, my account was disabled and I could not withdraw my money back to my Coinbase. Please help me with this fraud scam, because it is a large amount of money loss and also he can continue on doing fraud and scam to other people with more money. of my supposed account on XXXX XXXX, for which I think the numbers were set up. Because I thought my investment money was transferred to my account on this application, but I think when I asked the transfer address from this customer service, they must have given me the fraud scammer 's wallet information, so that my investment money was actually transferred to his account. as I thought I have investment money in my account on this XXXX XXXX and was withdrawing the money back to my Coinbase, my account got logged out and I could not sign in nor withdraw my money. This unknown person is from XXXX and his name may be XXXX and that his birthday may be XX/XX/86. He used a phone number XXXX and said that he lives in XXXX and drives a XXXX car. This unknown person can be in the XXXX and not in XXXX, because XXXX does not legalize for cryptocurrency investment and he has the XXXX account to get the transfer address and took my investment money illegally. The most important thing is the large amount of money {$86000.00} that I have lost, I wish that you could help return back to my bank account. This unknown person used fake identity name and pictures and talked me into investment trading, tricked me to transfer the investment money to his account, asked for more and threatened me if not.