davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

XX/XX/2019 ... .. moved into an apartment complex XXXX at XXXX XXXX. 
Apartment was uninhabitable. Not ready for humans to live in. XXXX and XXXX  infested.Strong Paint orders throughout the apartment. Front door was not properly attached. At this time in my life I was a victim of XXXX XXXX and had to move due to XXXX XXXX circumstances against my life and my family. I have been wrongfully charged with debt from this company on multiple occasions and its was all inaccurate. 
Please help me remove this debt off my report due to the laws that supposed to protect families in domestic XXXX situations.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Southern Auto Finance Co (TX)

So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

I received a letter by mail from XXXX XXXX XXXX XXXX stating that my PayPal balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

PHH mortgage blocked payments online and over the phone not allowing them essentially making my payment late. I was not notified about what to do. I contacted them via phone and was told the website would be working the next day and I could pay. Well the next day came and the account is still blocked. I tried paying over the phone which was blocked as well. They are also using predatory payments meaning they make money on the transaction. They charge transaction fees and are do not advertise how to make a payment for free. Fees start at XXXX dollars per payment.
Consumer complaint received 2021-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts that appear on my credit report do not belong to me and are hurting me. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (IL)

The alleged debt account that was reported to all three credit bureaus is no longer on my credit report and its currently updated right now and i don't know where the alleged debt has come from. I have paid the balance in full on my behalf from what I know of. According to your information that you have gathered, I am a victim of identity theft and I am currently serving notice to this collection agency that is attempting to collect a debt from the original creditor which is I XXXX, XXXX XXXX and I do not validate this debt.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

This company XXXX XXXX XXXX XXXX XXXX ) advised me I would be able to break my lease without penalty. They submitted false documents with the incorrect move out date, false apartment damages, and it has wrongfully affected my credit. 
I was told I would be able to pay an extra month and would not get my deposit back due to me breaking my lease. The apartment 's corporate office will not return phone calls after about 6 months of calls/voicemails. When I contact the apartment complex the manager response to my concerns by saying " I could tell you something but the computer will do other options ''. I moved out XX/XX/2018 and never received any notice until XX/XX/2018, which was a collection notice from a law firm. 
This is not fair to me and wrongfully affects my credit. I would like for this to removed from my collections. 
There is an influx of fraud from apartment complexes going on in XXXX now. I do not want to be affected.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX, I opened up the account with XXXX XXXX as I wanted to switch over from XXXX 

On XXXX XXXX I went back to XXXX stall inside XXXX where I originally bought the service and phone, and I returned everything to them and had receipts given to me I was told everything is done and taken care of until I pulled up my report on XXXX XXXX and found out that it is still reporting as negative on account with balance of XXXX XXXX 

I spoke to XXXX and submitted my receipts as proof of return and they removed some amount from the {$1600.00} and left {$180.00} on account saying I need to pay this as this is out of return period. I explained them it wasnt my fault as I didnt return the equipment and didnt use your service for a single day so why should I pay for it. 

To which they are denying to remove this charge and negative remarks from my report and I need to buy house and this is creating the issue for me I need help in getting this resolved as I am Not at fault Any help will be appreciated
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

This is the letter i sent to them about what they are trying to do and how they have fraudulently attached this to my credit report. 

XX/XX/2021 Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX Re : Your mailed statement to me about an Alleged Debt you are collecting on behalf of XXXX XXXX for {$1400.00} : You are now listed as a collection account on my credit report as some entity who claims I owe you money. I have no idea who you are and have never contracted with you or with XXXX XXXX  for ANY services. I have never received a bill from you OR from XXXX XXXX regarding this account because I have also never had an account with XXXX. I need you to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with XXXX including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 
Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 
By copy of this letter, I am notifying XXXX, XXXX XXXX and XXXX that I am filing a formal dispute of this account. I am also notifying the CFPB and the Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the law by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. You may e-mail OR mail your response to me at -- -cc : XXXX , XXXX XXXX , XXXXXXXX and CFPB, Attorney General Consumer Protection Division, XXXX , New Jersey
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (AL)

Since my questions are being disregarded. Pertaining to the auto transaction I received using my consumer credit, If you provided me funds in the form of a loan, Can you provide me with an actual document pursuant to GAAP ( General Accepted Accounting Principles ) pursuant to 12 U.S.C 1831n, showing where the money left your ( Navy Federal Auto Loan ) account to fund this alleged debt?
Consumer complaint received 2021-05-02
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: NAVY FEDERAL CREDIT UNION (MD)

I have reviewed a copy of my credit report and I show company NAVY FCU account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-12-03
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. (CA)

There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because XXXX  and Experian has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX XXXX  - Bal : {$0.00} ( XXXX  Only ) XXXX XXXX - {$1100.00} ( Experian & XXXX )
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or 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. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Relin, Goldstein & Crane, LLP (NY)

unlawful credit card claims made by XXXX XXXX for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved XXXX XXXX engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were Plum Card, a business credit card for businesses with large cash flow an XXXX XXXX XXXX XXXX issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. XXXX XXXX own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show XXXX XXXX unlawful conduct
Consumer complaint received 2023-03-20
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2022-04-28
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 Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXXXXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, 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
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I have disputed several transactions on my card- some were credited others have not been credited. I last reported a charge for XXXX over the phone, I never received a letter stating that it was being investigated and Wells Fargo won't allow me to check older transactions that may still be fraud. I have paid my account in full to avoid the interest charges for charges that are not mine. I have never allowed my account to be delinquent, but Wells Fargo has not done their absolute best to protect me and I'm not sure how many other fraudulent charges I've paid by mistake.
Consumer complaint received 2021-05-27
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. (TX)

Experian credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX  credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY should not have 120 + 120 thats inaccurate should have 120+. Does not report on EX & EQ. DATE OF LAST ACTIVE IS OUTDATED XXXX. THERES NO LAST PAYMENT DATE nothing reporting. Not saying i want documents of payment i want this account removed. No update in comments from last dispute. This account does not report correctly needs to be removed in statute of limitations HISTORY IN INCORRECT IN STATUTE OF limitations I DONT WANT VERIFICATION I WANT ACCOUNT REMOVED PLEASE XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on TU HAS 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment TU HAS XX/XX/2022 & XXXX HAS XX/XX/2022. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES TU XXXX & XXXX XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 days LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION Want both removed 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

THANK YOU FROM XXXX
Consumer complaint received 2021-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Consumer complaint received 2021-05-02
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. (FL)

Since hiring the XXXX  XXXX XXXX to represent me to sue companies like Equifax and the nearly 42 creditors who I have enclosed in this report is sad when Equifax doesnt care to follow the FCRA. I have enclosed a FTC report and local Police Report and I am just ignored by the same company that has distorted and continues to frivolously report a collection account after making multiple disputes and over 42 fraudulent inquiries.
Consumer complaint received 2022-01-10
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. (IL)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.