davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (NY)

Thank you for your feedback and supporting document with my previous complaint XXXX. You are clearly looking for the wrong person. The information you provide is someone who lives in Texas, and is a XXXX citizen who stays in US on XXXX form. Where I never lived in Texas and Im a US citizen. Given you claim its my loan, Im sure you know my passport information. So please provide that at your earliest convenience to prove its my loan. Thanks!
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (KS)

My wife and I contacted our lender, PHH Mortgage, about refinancing our mortgage today, XX/XX/20. As part of getting a refinance quote, the lender ran our credit scores. PHH reported to me on our recorded call the my wife 's credit scores were XXXX, XXXX and XXXX. They reported mine was XXXX, XXXX and XXXX. This was used as part of our refinancing quote for eligibility and for terms. We both just checked our credit today after the call. My wife 's XXXXredit score is XXXX in XXXX and XXXX with XXXX. My scores are XXXX and XXXX respectively. We are not going through with the refinancing but want to notify the authorities.
Consumer complaint received 2021-11-08
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: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not certain that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANK/EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be erased.
Consumer complaint received 2021-11-08
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. (GA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Diversified Consultants, Inc. (NE)

I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Formerly XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 also states a consumer agency can not furnish an account without my written instructions,
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have reached out to XXXX XXXX regarding a debt they claim I owe. They have not responded within the FCRA deadlines with the validation that this debt belongs to me. I am unfamiliar with this company or account and would like this rectified
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

RESPA violation May be for last 10/15rs or so Wells Fargo Bank has refused to provide entire escrow -account bills. I was never consulted about any payments and I have been billed for something thats I have no idea. Multiple complaints has been filed with this office and I still do not have anything about escrow account. Wells Fargo Bank should have authenticated each and every bill received. Each and every payment made. But no it was never done. They refused to provide on many instance I requested. They have refused to provide by form of discovery. They refused to provide even after I issued subpoena. They are cheating me by refusing to provide me entire records.
Consumer complaint received 2020-01-23
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. (PA)

The account holder has the same name as me. That's it. This is not my account. There is no account number or address on the report. I do not and never have had an account with XXXX XXXX XXXX with a {$7500.00} limit. I have reached out to TransUnion three times since XXXX. I have not even received a response, much less a resolution. I am attempting to refinance my home and this is dragging down my credit score. 

ENDERTYPEBALANCE XXXX XXXX XXXX 120 DAYS LATE Credit Cards {$8300.00} Status Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$1000.00} Account Details Bureau Name XXXX XXXX XXXX Account Type Flexible spending credit card Responsibility Authorized User Credit Limit {$7500.00} Credit Used 111 % Available Credit {$0.00} Highest Balance {$8300.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$280.00} Payment Frequency Not Reported On Time Payments 88 %
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from XXXX. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Formerly XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 also states a consumer agency can not furnish an account without my written instructions,
Consumer complaint received 2021-05-24
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)

Equifax and XXXX  has continuously and falsely verified this alleged account. Both equifax and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Consumer complaint received 2023-04-03
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # XXXX : XXXX, Account # XXXX : XXXX ( XXXX ) :, Account # XXXX : XXXX, Account # XXXX : XXXX, has violated my rights. 

15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-08
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: CAINE & WEINER COMPANY, INC. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX Balance Owed : {$240.00}
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information were found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

I am receiving multiple phone calls from multiple different phone numbers related to Midland Credit Management. They don't leave a message. They call myself and my wife multiple times on a daily basis. I sent MCM correspondence in XX/XX/2019 letting them know of my situation, yet the repeated calls continue. The last letter I received from MCM was an acknowledgement of receipt dated XX/XX/2019. I would like for the calls to stop.
Consumer complaint received 2018-02-03
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. (TX)

cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

I am filing a CPFB complaint because of the continuous report of an unknown account in my credit report. As I am reviewing my credit report I see this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXI am not familiar with this account so I disputed this right away. I informed XXXX XXXX that I never own an account with XXXX. I was scared at that time thinking that someone might have my credit information and open this account. 

After I disputed this with XXXX XXXX, this account was removed from my credit report after a month, and no XXXX  account reporting in my file. However now on my XX/XX/2020 credit report, I see that this account now reporting in a different collection company and different account numbers. After a few months of not seeing this account, this XXXX account is now reporting as CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) XXXX. 

It is illegal to report a Fraud account on my file. And what worried me most is this account can be deleted and be reported back to with a different name and account number at any time. I need XXXX  and CONVERGENT OUTSOURCING to take action and REMOVE THIS ACCOUNT COMPLETELY IN MY CREDIT REPORT.
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

On XX/XX/2021 I received a response to my XX/XX/2021 debt validation request. In their response was a summary of services rendered including XXXX XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX Services '' " XXXX  Function '' " Laboratory-Chemistry, XXXX, XXXX and XXXX ''. I believe that accessing these procedures violates my rights under the HIPAA LAWS as it indicates nature of treatment ( XXXX, XXXX XXXX XXXX and procedures performed ( specifically stating XXXX instead of just stating radiology ). I did not given written or verbal consent for the collection agency to access such specific medically identifying information about me.
Consumer complaint received 2023-04-03
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Balance Owed : {$8400.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (OK)

On XX/XX/XXXX, I received notification from the GAP insurance that they paid an additional {$600.00} to Ally Bank in reference to the XXXX XXXX XXXX that was destroyed XX/XX/XXXX and subsequently declared a total loss. After being told over the summer by an Ally Total Loss respresentative, Diamond, that if the account was overpaid, I'd receive a refund check within XXXX business days, I was told on XX/XX/XXXX by Cherry ( Reference : XXXX ) that it would now be 60 days until the check was sent. I explained that I would be moving prior to that time and she stated she would have my check expedited and I would have it within 2 weeks. On XX/XX/XXXX, I called and spoke with XXXX who confirmed the check has not yet been issued, 2 weeks later, and that it takes 30 days normally for the check to be issued. Later in the conversation, XXXX stated that it takes 55 days for the check to be issued. Their stories are inconsistent. They had NO problem taking my money within 48 hours when I was forced to pay off the loan to stop interest from occurring after they failed to properly and timely withdraw the money to pay off the loan from my dealership, but now they can't send me my money back in a timely manner after they have now been overpaid again.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (NC)

I wrote a check out to a school for my childs field trip. The amount of the check was for {$45.00}. The check was returned from my bank stating NSF. I have contacted the bank and printed out a transaction history report. The Check was ran on XX/XX/22. The NSF fee was reported and withdrew out of my account on XX/XX/22. The balance of my account on both sides of the transaction was enough to cover the check in question. Checkredi was not interested in the proof, wanted me to jump through hoops to justify in hopes I would just pay the additional fees. They stated that the {$45.00} plus a {$35.00} dollar returned check fee was resubmitted to my bank. I did not authorize any additional money to come from my account. I did not sign anything with this company stating they are able to take more money for fees on top of my original authorized check of {$45.00}.