davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (CA)

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 XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-02-23
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of
Consumer complaint received 2021-06-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CW Financial (CA)

I was called at work by Crestwood management at XXXX. They threatened legal action for a pay day loan received in 2014, over 7 years ago and past the statute of limitations. When I refused to pay they stated " See you in court '' and very rudely told me to hang up. When I informed them that I was going to file a consumer complaint the person on the other end asked me, " are you having fun yet? ", laughed and hung up the phone.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (CA)

XX/XX/2020 I sent a letter to Collection Bureau of America for validation of an alleged debt in the amount of {$2.00}, XXXX ( Please see attachment ). I never received a response nor anything notifying me of the debt. In addition, Collection Bureau of America failed to notify the Credit reporting Agencies that the account was being disputed by me as required under the Metro 2, and FCRA and FDCPA.
Consumer complaint received 2021-12-09
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. (PA)

am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Can you remove the items listed in the report to correct my credit score?
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Can you remove the items listed in the report to correct my credit score?
Consumer complaint received 2021-06-02
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: WELLS FARGO & COMPANY (NJ)

the accounts was never authorized to report on my credit, please see below the list accounts on my report : Identity Theft WF/XXXX XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

The company discussed here is LoanCare , LLC on behalf of XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ). 

Background : In XXXX 2021, my current loan servicer ( XXXX XXXX ) sent a statement to me saying that a new company ( LoanCare , LLC ) would be taking over my loan servicing. About a week later I received a mailing from LoanCare with information about this loan servicing change. 

Issue : There was a long delay ( approximately 10 days ) between the time my loan became unavailable with XXXX, and available with LoanCare , LLC. For about 10 days, my loan status and information went " dark '' and I couldn't access my loan from either party. LoanCare was not available to contact by phone, because the customer service line required my loan number or SSN, but when both were entered, my account could not be found, because my loan had not been transferred yet. 

By the time they did recognize my account ( XX/XX/XXXX ), the payment date for my mortgage was past due. Additionally, auto-draft of loan payments must be created before XX/XX/XXXX, leaving just 1 day to do so. 

Fortunately, I've been ahead of schedule and my payments were not late. Also, fortunately, I'm a " digital native '' and so navigating confusing and unclear online platforms is something I am accustomed to. I was ultimately, after much persistence and trial and error, able to figure it out and log in. 

The real concern I am addressing is for people who were not in my position : paying their mortgages closer to the due date, and for people who may be older and/or may not be as " digitally native '' as I am. For someone ( like my grandma, or my elderly neighbors ) who does not know how to navigate confusing online platforms, they could still be in a situation today where they can not access their mortgage information, and may be at risk for failing to pay their mortgage on time. Calling does not help because the automated phone system does not recognize the new loan until you sign up online. 

Given the interruption in auto-payment and the payment schedule, this could be a serious issue for many people as they manage their budgets, and the withdraw of their mortgage payments could be untimely and disruptive to their lives. 

Given that the change in loan servicing company was not optional and was mandated by both XXXX and LoanCare , LLC, it seems reasonable that they would make this process more transparent, and give more options for their customers to ask questions about how the transfer works and the timelines surrounding this change. 

Altogether, allowing someone's home loan status and information go " dark '' for multiple weeks, as well as failing to provide adequate options to contact someone about the status of this loan seems unacceptable. It also seems as though this process is unduly abstruse in order to confuse the customer and create late payments and/or other fees.
Consumer complaint received 2021-12-09
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)

I am submitting a complaint in reference to Equifax credit reporting agency XXXX XXXX XXXX XXXX, GA XXXX knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. Per Federal Law 15 U.S. Code 1681c-2- BLOCK of INFORMATION resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later that 4 business days after the date of receipt by such agency of. I have attached proof of receipts and identity theft report that was provided to EQUIFAX sent on XX/XX/2021 EQUIFAX received on XX/XX/2021. Federal Law requires you to respond in 4 business days after the date of receipt to BLOCK of INFORMATION as of today XX/XX/2021 the alleged information is still reporting on my credit report. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'd like you to remove negative information from my credit report that isn't mine. I have filed an Identity Theft Report, which I have included to this letter, saying that these accounts are not mine and that my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (AZ)

XX/XX/2022 : Refinanced car loan with XXXX. 
XX/XX/2022 : Received letter from XXXX XXXX XXXX stating the title had not been received from previous lender ( Truist/Suntrust ). 
Attempted to telephone Truist/Suntrust . Could not reach a representative after an hour on the phone.

Attempted to log into my Suntrust account to use chat feature. Could not log into account. 
Attempted to establish a Truist account. Could not establish an account.
Consumer complaint received 2018-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rossi Law Offices, Ltd (RI)

I received a bill from Rossi Law Offices , LTD in the amount of {$41.00}. I sent out payment immediately as they were claiming to be collecting a debt for the City of XXXX XXXX. Payment was mailed by check the first week of XXXX in the amount of {$41.00}. The so called law office failed to cash the check and has now sent a bill for a slightly different higher amount. This debt was a debt that my ex-wife should have paid as a result of our divorce. This debt collector is playing games. It appears I will need to put a stop payment on this check and who knows what they did with it. A quick search on the internet demonstrates this is their MO.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2018 Midland Funding opened a collection agency added a derogatory mark on my credit report per XXXX and XXXX XXXX There is no form of document, contract or form with my written signature, and validate this debt, According to the FCRA ( federal credit reporting Act ), Midland Funding, has violated my rights as a consumer. Failure to validate the debt to XXXX, XXXX, and XXXX. Please have this collection removed from my report. 


XXXX XXXX
Consumer complaint received 2021-06-10
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: CBC Companies, Inc. (IL)

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX credit report. I was informed in the attached letter from XXXX XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I have been harassed by a collection agency side 2019, a request for payment from PennCredit Corporation, stating that I owe an amount of {$350.00}, product : XXXX XXXX service date:XXXX creditor : XXXX XXXXXXXX. I have been calling to the number on the letter but no one answers, send an email requesting further documentation such as invoice with credit card used but did not received any response. I believe some else used my name and personal information to purchased this product. I have never contacted this company to purchase the product above.
Consumer complaint received 2021-06-02
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. (MO)

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT : XXXXXXXX XXXX DATE OPENED : XXXX XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2019 at XXXX XXXX, I received a voicemail message from my loan servicer, PennyMac to call them regarding a "problem" with my account.  I called them back and spoke with someone named XXXX.  She said that my account was approximately XXXX  short.  I don't remember the exact dollar amount.  She then said the payment was not applied correctly and for me to hold on while she had the payment applied correctly.  She then comes back on the line and says "did you get your escrow statement?"  I said yes and I sent the extra escrow payment along with the regular payment (actually, I sent more than the regular payment).  I told her that I had proof that both payments were received but she did not believe me.  She said well the amounts don't match up and we haven't received any payments.  She first said the payment was not applied correctly, but now she is saying that they did not receive "any payment".  I explained to her that I had proof that both payments were received.  She then said well you need to work that out with the Escrow Department.  I took her tone to be very condescending and disrespectful.  I was not surprised, because this is the case with just about every employee I've spoken to atg Pennymac.  I 100% dread calling there for any reason because I know the call is not going to go well.  It's as if they teach their employees how to frustrate their customers.  At any rate, she had me on hold for over 10 minutes until I had to hang up.  I go to work to work, not sit on hold while your employees disrespect me.
Consumer complaint received 2021-02-11
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: CITIBANK, N.A. (IL)

My credit card was charged by a restaurant for a purchase that was paid with cash. My credit card was given at the beginning to begin the tab. I disputed the matter with Citibank but they did not try to resolve it.
Consumer complaint received 2018-12-05
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. (CA)

I was never late paying my auto loan. Equifax and XXXX  wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX
Consumer complaint received 2018-12-05
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: EQUIFAX, INC. (CA)

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. 
I have never filed a bankruptcy all my life, this is not mine..I asked for evidence but they failed to supply..CFPB delete Bankruptcy : Discharged CH-XXXX XXXX
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I was encouraged by XXXX XXXX XXXX to come out for a trip to XXXX for a discounted price of {$110.00}. What I did not know is that this was an attempt to sign me up for a timeshare. A timeshare that I was told I would be able to travel anywhere in the world with my family. However, after receiving the timeshare and beginning to pay for it. When I went to setup my first trip I was told I was not allowed to to my preferred destination at all and when I asked when it would be available I was told that they did not know ( this destination was presented to me in my XXXX information and pitched to me by their sales team ). I then paid over {$1000.00} to sign up for the program and then agreed to what I thought was at anytime I chose timeshare ( this was not the case ). I then fell behind on payments which has caused me stress and anguish due to my circumstances at the time and was not given an opt out option. I have already paid a few thousand dollars into a program I was not able to use once, even when I tried. I also do not have the ability to use the timeshare for the entire year of XXXX at all but am still asked to pay HOA fees, late fees, and a monthly fee of {$240.00} where only about XXXX XXXXa month is going to my actual loan. The interest I am paying was not based on credit just a predatory lender that took advantage of a great customer.
Consumer complaint received 2021-12-09
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)

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX {$61000.00} Account number XXXX ). The report on XXXX shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and Experian show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am having trouble deleting TOYOTA MOTOR CREDIT tradeline from my consumer credit report. I have asked the credit reporting agencies on several occasions to delete the account, or UPDATE the account as I have pointed out all the VIOLATIONS they are reporting, XXXX has deleted the account but XXXX AND XXXX are still reporting this account. not only are they not abiding by regulation V to establish and implement reasonable procedures regarding the accuracy on my credit report XXXX XXXX XXXX
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There was nothing to explain further. I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX