davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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. (MA)

I have sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I settled a previous matter via email with Portfolio Recovery Associates. We came to a settlement agreement without validation because I wanted it off my report. This was over 6 months ago and it still has not been reported correctly. I am currently trying to get this corrected with the directly, but it is why I am requesting validation for the matter below. ( I would like this complaint to involve the issue below, but if two matters could be handled at once that would be great too ) There is a current matter at hand that they have sent to collections and I have requested a debt validation via email to them on XX/XX/2018. They just respond with a phone number to dispute resolution although i have communicated with them through email when doing a settlement. I am requesting this because I am not sure they amount they are submitting is correct or if they are the actual owner of the account as the previous account I settled with them was not reported like it was said that it would be. when I setup a settlement agreement they did it through email, so I know they are willing to communicate through that method.
Consumer complaint received 2021-09-10
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. (MO)

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Consumer complaint received 2021-09-10
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. (MO)

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Consumer complaint received 2021-07-02
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. (GA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. 

The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. 

As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. 

I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX   provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. 

I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice 30 days after i made the payment they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Consumer complaint received 2016-06-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began  inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?
Consumer complaint received 2018-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (PA)

My loan modification packet has been submitted for review but my lender has failed to respond. Loancare Mortgage has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). My lender has failed to provide me with a required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this my application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). Loancare also failed to evaluate me for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax XXXX and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Consumer complaint received 2019-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Consumer complaint received 2022-08-11
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Consumer complaint received 2022-08-11
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$310.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Hello, As you 've of course heard, the latest EquiFax data breach has compromised the financial security of over ONE HUNDRED MILLION PEOPLE.
Now, to protect ourselves, we have to put a freeze on our credit. This would n't be so bad if we did n't have to pay out of pocket. The fact that we have to pay {$30.00} to freeze our credit, to protect our most important information, because of this huge leak, which is 100 % EquiFax 's fault, is ridiculous. 

Freezing our credit should n't cost a single penny. This should be a free service. It 's like being assaulted, then paying the police on the side for protection. This is n't fair, it is n't right. 

Please, help us! We need you now more than ever. So many of us feel vulnerable, and like we have no control over what happens about this. We need your help, please!
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly requested that Portfolio Recovery Associates , LLC / XXXX provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.
Consumer complaint received 2022-08-11
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NY)

In XXXX of 2021, I received a notice from Hunter Warfield regarding {$200.00} in debt accrued by me from a housing complex in Florida. The debt is not mine- I have not been to Florida in 20 years, was out of the state when the alleged signing occurred and the information on the housing application contained clearly fraudulent information. I contacted Hunter Warfield immediately and told them this was a fraudulent debt. Hunter Warfield asked me to send in pertinent information, including my State ID, Passport information and to file a police report. I did all of this and sent my information into HW. HW then said they were going to investigate my claim of fraud. In XXXX, I received another notification of the " verification of debt, '' with the same fraudulent lease application. I again sent in the requested information. On XX/XX/XXXX, I received a notice from my bank notifying me that my Credit Score has a Major Derogatory about an unpaid debt from Hunter Warfield. I again called HW and they notified me that they have no record of any submissions of information from me and that my claim of fraud has been denied. They then told me they'd transfer me to the correct department only to hangup on me. I tried calling XXXX more times throughout the day and have not been able to reach an individual.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NY)

Not only that the last date active doesnt match between XXXX  and Equifax but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of XXXX  and Equifax Im tired of this abused of this unfair act and ruthless actions but this credit bureaus
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (SC)

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX