davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX, XXXX XXXX XXXX  XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX  and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX  ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees.

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX and XXXX and Equifax indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

I need to take all the stuff off my report XXXX Equifax XXXX I gave them a report all my information and paperwork paperwork to XXXX XXXX XXXX  XXXX and XXXX XXXX
Consumer complaint received 2018-12-05
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: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ****, XXXX XXXX XXXX ****, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX have 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 2022-06-21
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. (MA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, 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. (TX)

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( XXXX ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, XXXX and TransUnion.
Consumer complaint received 2021-04-09
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (ID)

I opened this account with CitiBank in XX/XX/2020, from an online promotion. The promotion was that I would receive a bonus of {$750.00} if i deposited {$50000.00} and left it there for three months. When I checked in XX/XX/2020, they told me that I needed to leave it there another 90 days and that everything was inline to receive it on XXXX XXXX. Here we are in XXXX, and now Im being told that I need to fax the offer to them ( i dont have it, as it was originally online ), and that they dont typically do that offer. Wrong on all counts, there is a {$700.00} promotion going on right now for the same account. I was told that a supervisor would call me back today, and have heard nothing My case number assigned to me, actually had someone elses name on it.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (PA)

WestLake Financial Services They call and call when you are late making a payment. And they always XXXX their money and ask why you are late making it this month. and they get up in your personal finance issues that you are having and they do not respect the customers at all. They raised their voice at you and tell you that you are past due and that they want their money. They try forcing you into online where they take the money out of your account.
Consumer complaint received 2022-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-04-09
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. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAMES DO 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 THESE ADDRESS DO NOT BELONG TO ME : Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX LAKE XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX FAMILY Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (RI)

I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

there is a class action law suite against wells fargo for wrongful loan modification and when I call the one overseeing this, he told me that if I do not have a notice I do not qualify. but I do. and I am requesting wells fargo to issue the card I need to file my class action before the dead line
Consumer complaint received 2022-09-22
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-09
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. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX B - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX BANK - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  XXXX CO XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-04-09
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-06-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-22
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: National Credit Adjusters, LLC (GA)

I never had an account with this company. This company need to provide a contract that I have with them. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (AL)

My mortgage is being 1. reported as late post COVID-19 modification and 2. is reporting the incorrect amount of being late.

After signing and notarizing the modification agreement I scheduled two auto drafts ( TOO BE TIMELY! ) in the amounts of {$1300.00} on XX/XX/2021 for XX/XX/XXXX and XX/XX/XXXX. This was done by a Quicken employee mind you. 

Quicken ran an escrow analysis on XX/XX/2021 after those auto drafts were scheduled. The escrow analysis showed a shortage of $ XXXX monthly. The auto drafts were taken and come XX/XX/XXXX after setting up continuous auto drafts myself the payment was cancelled due to being behind. After noticing on my account no payment was taken I called to learn that I was delinquent. 

The affected auto drafts were not cancelled. The attempts to reach me were automated calls like every scam call. Their system was never updated with my current residence even after informing them that I do not occupy the home concerning this mortgage. 

Im being reported delinquent on the full amount of {$1500.00} even though its an escrow issue that affected no party. Now my credit suffers over incompetence from Quicken and I perceive this to be an anti-competitive tactic that affects a borrowers ability to refinance the loan in a highly competitive market. 

The delinquency is inaccurate and unjust. The amount delinquent is also falsely reported and this is a result of post modification underhanded tactics to prevent Quicken from losing business/interest income. I cant even IRRRL my loan by VA guidelines now. Im not only a veteran, former employee of the XXXX, but Im also a mortgage underwriter. 

This is a level shady tactics on par with XXXX that spawned the CFPB. Please investigate and admonish such dealing by unsavory lenders.
Consumer complaint received 2021-04-08
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. (SC)

On XXXX 2021 I sent a letter regarding an inaccurate and unknown things 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 XXXX XXXX and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OH)

Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for 1XX/XX/2020 XX/XX/2020 XXXX XXXX SELF LENDER # XXXX. Due to the Pandemic shutdown I was effected financially.
Consumer complaint received 2022-08-08
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

-On XX/XX/XXXX letter was received from Portfolio Recovery Assets denying my dispute. This dispute was due to identity theft back in XXXX. Portfolio Recovery Assets states they have completed their investigation regarding the debt and established it was valid. However, they only sent me statements from the original creditor which shows an incorrect address I have never been associated with as well as around the time my identity was stolen.