davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Collection was opened XX/XX/XXXX for a XXXX XXXX account. Amount was XXXX. I have taken numerous steps with the company but I have not gotten anywhere. There is no way I could have opened a XXXX account, 1 because it was opened in XXXX/XXXX  of XXXX when I had no way of opening it, secondly I have a XXXX account of my own
Consumer complaint received 2021-03-31
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 (CA)

PayPal closed my account for no reason 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 remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and XXXX. My XXXX report  from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3 months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to Experian as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Consumer complaint received 2017-07-07
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: TD BANK US HOLDING COMPANY (NV)

I happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IA)

Repeatedly sent letters disputing all 8 accounts listed with Midland credit management. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the XXXX  XXXX account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!
Consumer complaint received 2017-09-12
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. (CA)

Credit Report suddenly shows 10 XXXX XXXXoan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (NC)

I have tried to resolve an issue with Equifax for a coupe of years now. I even contacted you guys ( case # XXXX ).  XXXX XXXX 's Hospital, doctor, ambulance, etc is still reporting on my credit. Also XXXX XXXX XXXX. Every time I file a dispute they want me to send my Identification thru mail. I am SICK of mailing my DL and SS info to these people. PLEASE HELP!!! My XXXX is Over 100 points higher than Equifax.
Consumer complaint received 2017-09-14
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. (NM)

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " XXXX party agency '' for reporting to both Equifax and XXXX. My Equifax report from the time I opened the account has not reported properly. The balance goes up and down for no reason. Equifax is reporting only XXXX  months of good payments and they are separated by XXXX months of no status, which should also show good payments. The account has been in good standing for over XXXX XXXX and over XXXX XXXX of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my Equifax report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, XXXX/XXXX/XXXX, XXXX XXXX XXXX has confirmed that the balance shown my Equifax is again, incorrect according to their records. In addition, the " XXXX party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over XXXX XXXX, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Consumer complaint received 2021-09-17
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. (VA)

Why is XXXX still showing on my credit report still. It has been on my report for over 7 years and it is fully paid. It needs to be removed as policy states. I have put in a dispute to have removed and it was said dispute has been resolved but nothing has changed on credit report still looks the same.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

A prior complaint against Diversified Adjustment with CFPB resulted in the company responding and saying they agreed to delete the collection from my credit report and not report it again if I paid within 15 days. They deleted and I paid. This morning I received an alert that Diversified Adjustment had added the collection back to many credit report dropping my score 32 points. Please fix this.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F XXXX
Consumer complaint received 2022-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

XXXX : XXXX this agent persisted me on a daily basis and when I decided not to continue they pressurized me to complete assuring me they where best and would benefit me. I explained my concerns with closing costs and they assured me it was normal. I subsequently have been advised its above average. I was also told they would consolidate all our debt only to find most of it will be consumed by closing costs. Then insisted we close to lock in rate and now they going ahead and ensuring process would be efficient. Since signing I have not heard from company! Sent emails and phoned but they unable to assist and was not able to speak to anyone who could assist. I have no idea what is going on and now told payments due XX/XX/XXXX when I was told it would be 2 months of no payments and no information about debt consolidation which was reason to start with. Now we continue to incur interest and the closing fee of {$17000.00} is excessive as I told them! This is our house and we have worked hard for it only to be poorly managed. 

We continue to incur costs and nobody is helping!
Consumer complaint received 2021-07-01
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: Convergent Resources, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-09-12
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. (CA)

Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these account : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 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 2017-09-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: DriveTime (MD)

I pulled my credit report and noticed I had this account on my report stating i owed a debt for over {$10000.00}. I contacted XXXX to inquire about the debt and i was told the vehicle was purchased through a company called DRivetime in XX/XX/XXXX. I informed them I was XXXX at the time and did not purchase a vehicle and want the vehicle out of my name and removed from my report immediately. I submitted documenation of my XXXX as well and still as of XX/XX/XXXX nothing has been done or corrected. 
I asked them to send me a copy of my signature, social and drivers license to validate the debt according to FCRA Section 609 and they have not done so.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

Transunion 's customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXX that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.
Consumer complaint received 2019-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with XXXX rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. Portfolio Recovery # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called XXXX and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with XXXX. 

XXXX did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. XXXX did not explain why my score dropped 26 points after my disputing items that have been on my credit already.