davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to XXXX, Experian and XXXX. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Consumer complaint received 2019-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

NetCredit sent a notice of adverse action well outside of the window required under CFPB rules. The notice of adverse action should be sent within 30 days of a denied application and I received the notice today, XX/XX/XXXX, for an application for pre-qualification made in XXXX of this year. 

" We are writing to you with information about your application with NetCredit on XX/XX/2019. Due to an internal error, this notice was not sent immediately after a decision on your application was made. As a reminder, you are entitled to a free copy of your credit report that was used in our decision-making process. If you have any questions about this notice, please contact NetCredit directly at the number listed below. 
Date : XX/XX/2019, XXXX XXXX Central Time "
Consumer complaint received 2021-07-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My credit has always been XXXXI have tried to deal with USAA Savings Bank about an account that is not mine. I have never dealt with USAA.I have been working on this since XXXX. I talked with the fraud department on XXXX XXXX around XXXX, They agreed it was not my account. But nothing has changed on my report
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

Hello, I have reached out to Caine & Weiner several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
Consumer complaint received 2019-08-09
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: AMERICAN HONDA FINANCE CORP (NJ)

XXXX XXXX VIN # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.
Consumer complaint received 2019-06-10
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. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital One today and spoke to XXXX in the account services department. He advised me that I was assessed a late fee for my XXXX payment. He then advised the late fee I assessed is the fee that has been reported negatively to the credit bureau. They are reporting me paying 30 or more days past due and that is incorrect. I have never paid 30 days past due. They are reporting me for a late fee and it needs to be reported correctly.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX  XXXX - {$710.00} B ) XXXXXXXX XXXXrd- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXXe XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I got this account that does not belong to me and i want to be remove from my credit asap. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-13
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. (CA)

There are two HARD INQUIRIES by XXXX  on my EXPERIAN credit report that were not authorized ; I did not apply for credit with XXXX. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from XXXX  hit on : XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-11-22
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)

XXXX was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on transunion. Account was paid in full on XX/XX/XXXX and was never late.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

XX/XX/19 I received a call regarding the escrow on my mortgage, that had a debit balance on my account. 

The caller demanded that I go to XXXX and wire {$980.00} before 6 p.m. that day to avoid foreclosure, and could only be done that day only. 

I requested evidence and his manager, he responded that that was not possible. it was in his control now. 

I suspected a Scam and called my Mortgage Co. the next day and confirmed the call was bogus. 

He identified himself as XXXX XXXX of the mortgage co. @ XXXX in Texas. 

Foreign accent possibly XXXX or XXXX. 

The killer was the phone number appeared as my contact person at the mortgage co.! 

She is in Florida
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc. (MA)

Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

After an investigation, Equifax deleted a bankruptcy that was being reported in my Equifax credit report. Equifax reinserted the deleted bankruptcy & never notified me in writing as required by 15 U.S.C. 8 16811- U.S. Code. Unfortunately, I found out that it was reinserted when I was denied credit as a result. 

Additionally, I've contacted the 3rd party vendor XXXX that Equifax says they obtained the information from & XXXX verified they do not have a record of bankruptcy on file for me. 

I've attached a copy of the report with the bankruptcy being reported as of XX/XX/XXXX I've also attached a copy of my report as of XX/XX/XXXX with no bankruptcy reported It is now being reported & there was no notification of the reinsertion. 

I've also attached the XXXX Notice & Table of Contents as of XX/XX/XXXX in which there is no notification of bankruptcy as XXXX says it would be noted in the Table of Contents if there was one.
Consumer complaint received 2020-09-06
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)

I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.
Consumer complaint received 2019-08-09
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. (GA)

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I wentto cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off XXXX XXXX XXXX XXXX XXXX, XXXX DEPED.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (FL)

In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. 

b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TX)

n accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights XXXX5 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-13
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)

I have been disputing to Trans Union, XXXX  and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX Stone XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have contacted Citizen One Bank customer service on at least two ( 2 ) separate occasions via telephone ( XX/XX/XXXX and XX/XX/2020 ) and once via Certified Postal mail ( XX/XX/2020 ) to request that my PMI charge be removed from my mortgage as a result of having a 77.2 % LTV ratio which falls below their required threshold of 80 % or lower. To date Citizen One bank continues to send me the same generic letter informing me of the steps I need to take to request that PMI be dropped even though I sent the required written request as they have requested. I reported this issue to a Customer Service Representative ( XXXX ) on XX/XX/XXXX who confirmed that he saw the same letter has been sent out repeatedly and who spoke with his Supervisor to confirm that all I needed to do was send a written request informing them of my request as a result of meeting their LTV ratio threshold. I mailed the written request which was sent via Certified Mail and received by Citizen One Bank on XX/XX/2020 yet my request was answered with yet again the same generic letter I've received multiple times previously. At this point I believe Citizen One Bank is failing to met their obligation to drop my PMI payment as a result of meeting the necessary requirement in an effort to extort additional fees from me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2020, Paypal permanently limited my account due to them saying that I did not follow their " user agreement '' but they did not provide me with any information of the breach. As a result, they notified me that my funds ( {$1200.00} ) was to remain on hold for 180 days per their " user agreement ''. While I was patiently waiting for my funds to be released, on XX/XX/XXXX ( 12 days before the 180 days ) they debited the {$1200.00} from my account and labeled it as " paypal 's damages caused by Acceptable Use Policy Violation ''. I then kept emailing paypal for answers and was left ignored or just received an automatic response. Then a month later, on XX/XX/2020, Paypal credited my account for the {$1200.00} and stated that the amount was debited in error. I continued emailing paypal over and over to see when they will release my funds and kept receiving an automatic response that it will be on hold for 180 days per their user agreement ; but I already waiting over the 180 days and Paypal clearly doesn't follow their own user agreement. There is nothing in their User agreement that states that Paypal is able to hold for more than 180 days or permanently. Due to my account being permanently limited, I am unable to receive any help on this and my messages are not being responded to. I have pictures proving this timeline and all the messages I sent them.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-05-05
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.