davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (WV)

I contacted Experian via mail several times in XXXX, XXXX, XXXX and XXXX including two complaints I filed with the CFPB about the information they are allowing to be reported on my credit report that is incorrect. I reported a delinquency on my credit report that was fraudulent, and I even gave Experian the correct information. However, they keep saying the information was verified. I contacted the XXXX XXXX, Virginia civil courthouse clerk who explained to me that the information was not correct. 

The information that is reported on my Experian Credit report that is in question is : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Virginia XXXX Phone number ( XXXX ) XXXX Account Number XXXX Balance : {$10000.00} Balance update XX/XX/XXXX The monthly payment is {$1300.00} Past due {$10000.00} Term 24 months The lease was opened XX/XX/XXXX To begin This was a rental property lease for a home that was not rented through XXXX XXXX XXXX. 
The lease amount was {$1300.00} we left the property XX/XX/XXXX because. And as you can see from the attached court documents this is all verifiable. The XXXX Virginia court has a total of {$8200.00} and XXXX XXXX is reporting that I owe {$10000.00} with that amount changing constantly because he adds more money each time he updates this with Experian. Also, Virginia State eviction law does not allow Landlord or property Owners to receive interest on debts after the tenant has vacated. At this point I want the information deleted because Experian has allowed this person to falsely verify this false information for years, I have also reached out to Legal Aid.

Documentation showing Experian 's reporting and Documentation from the XXXX XXXX Virginia Court has been attached showing proof of this huge error.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This has been an ongoing issue for me with XXXX XXXX I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments. 
I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account.

Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose.

I have paid as a agreed and no late payments should be reflecting on this account.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 # XXXX OPENED : XX/XX/18 XXXX. XXXX
Consumer complaint received 2022-11-13
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: ERC (CA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2022-11-13
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: Collectibles Management Resources (CA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2020-05-22
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-01-21
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. (TX)

To Whom it may concern, I sent a letter on XX/XX/XXXX to the Attorney General of XXXX  represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of XXXX  and XXXX  authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of XXXX.
Consumer complaint received 2022-07-08
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. (ND)

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Consumer complaint received 2022-11-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Ive purchase a vehicle through credit acceptance corporation on XXXX, which is a XXXX XXXX  XXXX they were not clear and conspicous, in regards to 15 USC 1605, 1611. Ive requested Credit Acceptance to validate the debt Per 12 CFR 1006.34, which they have not within the time frame given by law. Which is five days from reciept of service. They are in violation of my consumer rights. From the initial communication I was not made aware of my rights as a consumer in regards to 15 USC 1605 " FINANCE CHARGE ''. They willingly and knowingly Violated my rights 15 USC 1611, and should be held liable civilly and criminally with a fine not to exceed the sum of {$5000.00}. Per 15 USC ALL charges are to be covered through finanace charge as stated in 15 USC 1605, So my insurance was to be included. I've been mislead, frauded, and abused beyond means.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Syncapay, Inc (HI)

My account keeps getting an error when trying to log in. My digital wallet has thousands of $ of gift cards loaded on to it, and a website error is not allowing me to access it. 

I have escalated this for months now and no answer or solution has been given. 
Either fix my log in issue or issue me a NEW digital wallet with the cards loaded on to it. 

See the error message in attachment login : XXXX email : XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

I sent my regular payment of  XXXX  in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of  XXXX  and refuse to follow up.
Consumer complaint received 2022-07-08
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 am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXXXXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. as well as some wrong information from my report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-07-08
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. (ND)

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Consumer complaint received 2022-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

My Loan no is XXXX for XXXX and XXXX XXXX. I am getting collections and threatening letters from XXXX XXXX regarding unpaid taxes. I have not missed a payment and my XXXX XXXX have filed a judgement against me for unpaid property taxes. I have written and called XXXX XXXX regarding this and also sent the notices that XXXX XXXX have sent me. Per XXXX XXXX. They have sent invoices and statements to this mortgage company and have not received payment. Now, they are threatening me and file a judgment against me for unpaid taxes. 
My payments are up to date, Why arent they paying my taxes?
Consumer complaint received 2024-01-18
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. (FL)

I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX, XXXX has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX  in the amount of {$430.00}. XXXX XXXX, XXXX is not licensed to operate in California under sec XXXX.
Consumer complaint received 2024-01-21
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)

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet ExperianXXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian/XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I sent a certified letter asking for validation of debt. I asked them to provide a breakdown of fees including any and all collection cost and medical charges. To provide a copy of my signature with the provider of service to release my medical information to them. 
They only sent me a letter stating they represent such company and verified the information with client.
Consumer complaint received 2020-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

The servicers in question are XXXX XXXX XXXX XXXX XXXX, Navient, and XXXX XXXX. 

Loan servicers XXXX XXXX and Navient have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal Perkins loan held by the University XXXX XXXX XXXX and serviced by XXXX XXXX, and selected XXXX as my servicer. 

On XX/XX/2020, I paid the Perkins loan serviced by XXXX XXXX in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, XXXX XXXX received a payoff from Navient, thus meaning that I had a credit of {$6500.00}. The same day, XXXX transactions show a debit of that same amount, but with no details. A customer service agent claims that XXXX refunded the money back to Navient. However, Navient went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the Perkins loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called Navient, and they know nothing about a refund from XXXX. XXXX claims they can not provide documentation to prove it was sent to Navient, so Navient will not give me my money back or look into it. XXXX has not sent me any official paid in full documentation or otherwise. XXXX has not provided any timeline or support in getting me documentation of this alleged transfer of money back to Navient.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PHFA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-01-21
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. (FL)

XXXX XXXX XXXX Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (OH)

I received a call from Diversified Adjustment Services , Inc that I owed money concerning an old bill with XXXX. I previously paid {$740.00} to XXXX XXXX for the same account. I was advised by Diversified Adjustment Services that XXXX had added additional fees and charges to account after I made the arrangements to pay off the balance with XXXX XXXX I request documentation that show what the additional balance was for. I received XXXX statements both of which has not provided a itemized statement showing how I owe an addition {$230.00}. Diversified Adjustment Services has threatened to report this information to the credit bureaus ruining my changes of obtaining a home or car loan in the future unless this debt is paid. I have spoken to several representatives who can not explain where this additional balance is coming from. I have also sent documentation confirming the balance paid with the prior collections agency.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I charged {$540.00} for a Delta Membership that is covered under the annual airline fee credit on XX/XX/XXXX. The receipt from Delta XXXX states XX/XX/XXXX as the transaction date. The charge posted on XX/XX/XXXX by American Express and triggered the airline fee credit on XX/XX/XXXX for calendar year XXXX. About two weeks later I contacted American Express to get a resolution. I was told by a manager that they could retroactive the credit as they reviewed my account and verified that the XXXX credit had not been used. I was supposed to receive an email. As of XX/XX/XXXX, no email arrived and therefore I contacted American Express to follow up. I was told that the case was closed though I had not been notified. American Express refused to assist, even though a supervisor said they would. American Express is aware that this complaint is being filed.