davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-05-29
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. (NJ)

I have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. 
This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 
According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. 

I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. 

Again, correct and remove this. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 4 times!!!!!
Consumer complaint received 2020-05-29
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. (FL)

I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since XX/XX/2022, I have been trying to refinance and existing mortgage I have with Select Portfolio Servicing. I have requested a Verification of Mortgage from Select Portfolio Servicing over and over and have not received the document. The lender that I have applied with to refi my mortgage has contacted Select Portfolio Servicing several times and Select Portfolio Servicing has failed to provide the requested document. They keep sending a payment history but will not provide the Verification of Mortgage. It seems like they are purposely doing everything they can to not provide the Verification of Mortgage and I really don't know why.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

On XXXX I sent a letter disputing the erroneous account with the creditor LVNV FUNDING LL for the amount {$600.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (ID)

XX/XX/2021 a delinquent account listed as Harvard Collections appeared on my otherwise perfect credit report. The open date reported was XX/XX/2021, and the original creditor XXXX XXXX XXXX XXXX. The amount {$200.00}. 
I've never been contacted by mail, or phone by Harvard or XXXX XXXX XXXX. I've never been billed by either entity for anything, never lived in Illinois or had any financial dealings with that state so I disputed the entry with all 3 credit agancies. The information was not removed. 
I called Harvard Collections with the account number and was told that there is no statute of limitations on State Debt, however, I know there are limits on what can be reported. I asked for verification and was given a phone number for XXXX XXXX XXXX. I called 4 times and no one at XXXX XXXX XXXX could find any record of any debt owed by me. The negative information is still impacting my credit score and access to fair interest rates. If I owed a debt I have never known about, I've never been given the opportunity to even pay it prior to this damaging information being reported. It's extortion without causation or avenue for remedy.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account for no reson and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just i cloud the a report in here as i feel they are not doing their job properly and if is effecting me a great deal as i used paypal quite temoprely my email to my paypal is XXXX XXXX
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

On XX/XX/2018 I made my mortgage payment ( I enclose a copy of the picture taken to the screen of the computer that shows the payment was made ). 
PennyMac did not accepted the payment and the money was not taken from the paying istitution. 
I called to investigate what was the problem. The lender told me that my bank had denied the payment, WRONG! ( I enclose copy of the bank statement that shows we had enogh funds ). 
I called my lender to request them to remove the report of delayed payment. They have not done it, and this is affecting my financial and personal matters.
Consumer complaint received 2019-03-05
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: Credit Karma (CA)

Hello, I recently checked my credit score through credit karma and saw that I had a hard inquiry from XXXX XXXX  airlines/entertainment for XX/XX/XXXX of 2019. I have never applied for a credit card through XXXX XXXX until XX/XX//2019. ( which does show up on my credit karma score ) I have tried numerous times to get ahold of XXXX XXXX and I keep getting redirected to someone else. Ive called XXXX XXXX  and get redirected to credit karma. This mistake is affecting my credit score that Ive been working very hard to improve.
Consumer complaint received 2020-05-28
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)

I AM VIITIM OF AN IDENTITY THEFT, THE XXXX XXXX ACCOUNT ON MY EXPERIAN CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM XXXX XXXX. AGAIN, I MA VICTIM OF AN IDENTITY THEFT,
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX was given a request to close XXXX/XXXX account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
Consumer complaint received 2022-04-07
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. (NY)

In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION 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 RADIUS GLOBAL SOLUTION 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 XXXX XXXX XXXX, XXXX 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 XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX FL XXXX
Consumer complaint received 2021-08-16
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 — Problem with personal statement of dispute
Company: Global Lending Services LLC (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender this was ran through a third-party without my permission for these particular company thank you
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX. Inquiry Date : XXXX  XXXX, XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : BK XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX  XXXX. Inquiry XXXX : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-05-28
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. (NY)

Ive paid the balance to XXXX for my credit card with XXXX  XXXX  but they are reporting negatively on my Equifax report but reporting pays as agreed but in the negative accounts section. I need this corrected and report positively as I paid in full and closed the account at my request as I no longer wanted the charge card.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (CA)

On XX/XX/21 I received a phone call with no voicemail message left. I returned the call at XXXX and it was a collection agency. I requested that they send me an original statement so that I could confirm the charges because I never received the bill. The agent indicated that it would be a letter/statement from the collection agency and that they could not send me the original statement. I asked for the original creditors contact information just so I could request this from them and they told me that they would NOT give me that information unless I paid. I've never received a validation notice or a notice giving me time to dispute the debt so I think I'm at least entitled to a copy of the original invoice before I pay it. The agent was very argumentative.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I contacted Capital One Auto to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before Capitol One does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.
Consumer complaint received 2021-04-03
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. (NC)

Equifax is reporting the same account to my credit twice for the same exact amount of {$3200.00}. The lender is XXXX XXXX XXXX XXXX. Even though it's showing two different account numbers, there's no way I can owe the same lender the exact same amount on an account. There's another account being reported by this same lender in the amount of {$4800.00} with an account number of XXXX. This same account is being reported also in the amount of {$3200.00} with the same account number. There is a total of three accounts being reported by Equifax and this company. 


Also, there is an account being reported by Equifax with 35 chargeoffs with an account number of XXXX. 

Equifax is also reporting an account from XXXX XXXX XXXX with Account number XXXX in the amount of {$0.00}.
Consumer complaint received 2019-11-12
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)

I have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.