davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus.

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law. 

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Equifax never conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit Reporting act this company Comenity Capital Bank account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions.

15 USC 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.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Consumer complaint received 2020-05-05
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$190.00} US DEPT ED XXXX {$1700.00}
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (KY)

I tried to make a purchase at XXXX XXXX on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at XXXX XXXX assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted XXXX by phone and was told it was an Equifax issue. I contacted Equifax and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to Equifax was on XX/XX/2020 and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from Equifax was XX/XX/2020 stating that my initial fraud alert has been placed with the Equifax for 1 year. I have Not gotten anything in the mail from Equifax regarding this issue. They have failed to rectify the problem.
Consumer complaint received 2022-07-12
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}
Consumer complaint received 2022-07-12
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'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the account, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 


XXXX XXXX
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (NV)

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX XXXX XXXX ( ChargeOff ) Alert from : Experian XX/XX/20XXXX XXXX XXXX XXXX  - XXXX XX/XX/2022 EXPERIAN BUSINESS CRED - Business Loan Inquiry Alert from : Experian XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/2022 XXXX XXXX XXXX - XXXX Code XXXX ( 120 Days Delinquent ) Alert from : Experian XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Line Closed by Credit Grantor Alert from : Experian XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX DelinquentAccount XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

My property taxes are escrowed. Taxes through LoanCare , LLC were supposed to be paid to our city by XX/XX/2022. Supposedly they sent our payment on XX/XX/2022, however the city of XXXX XXXX didnt receive it until XX/XX/2022. We received a delinquent notice and contacted XXXX LoanCare , LLC, and was told they would be sending payment within 5 business days. As of today, XX/XX/2022, which is five business days, the payment still has not been sent. Contacted XXXX LoanCare , LLC again and was told that now they wont be sending it u til XX/XX/2022. This will not only cause additional late fees, but will be a never ending thing as they will pay the wrong amount and I will have more fees and have to continue to call and here they will pay it next month, etc. this puts my house in jeopardy of being taken by the city. When I asked why it wasnt sent in the 5 business days they had no answer and blamed the postal service. I told them they are violating federal statutes with regards to timely escrow payments, and was given the run around. This is not ok. I pay my payment ahead of time, and for them to have my escrowed money and not pay the taxes on time ( 33 days in the mail supposedly ) is not acceptable and as I review complaints on the XXXX  we are not the only one with this issue. This company should not be allowed to get away with this. They also do not send my monthly statements on time as they are required. I receive them four days before the due date but their excuse is I can go online to their website and look at it. I did not sign up for electronic statements as I like paper hard copies. This company needs to be looked into and told they can not violate laws. This is my first mortgage and is the worst experience ever. I have had nothing but issues and need help.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$11000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc. (MO)

I have recently been garnished by a debt collection agency called XXXX XXXX  office via XXXX XXXX. XXXX Missouri. Tower loan is the original debtor. The debt had a COURT JUDGMENT XX/XX/XXXX TO TOWER LOAN TOTAL AMOUNT WAS XXXX. I DID NOT PAY THE JUDGMENT AND TOWER LOAN DID NOT GARNISH OR TAKE ME BACK TO COURT. IT IS XXXX. THAT IS 11 YEARS. THE DEBT IS NO LONGER ON MY CREDIT REPORT AND THE STATUE OF LIMITATIONS TO COLLECT THE DEBT HAS PASSED PER LAW. I RECEIVED PAPERS IN THE MAIL OF THIS FRAUDULENT GARNISHMENT AND THEY ADDED XXXX TO THE FINAL JUDGMENT FROM 11 YEARS AGO AND THEY SENT THE GARNISHMENT TO MY EMPLOYER BEFORE I RECEIVED IT GIVING ME NO CHANCE TO FIGHT IT. THEY ALTERED THE ORIGINAL JUDGMENT PAPERS FROM THE COURT OF 11 YEARS AGO. ALSO TOWER LOAN HAS BEEN DOING HARD INQUIRIES ON MY CREDIT REPORT XXXX SOFT INQUIRIES WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE BEEN GARNISHED TWICE ALREADY AND I AM HEAD OF HOUSEHOLD AND THIS IS TAKONG A FINANCIAL STRAIN AND EMOTIONAL STRESS AND I CANT PAY MY MONTHLY BILLS WITH THIS. I WOULD LIKE FOR THIS TO BE TAKEN CARE OF AS THEY HAVE BEEN SUED BY SEVERAL PEOPLE AND A CLASS ACTION LAWSUIT AS WELL. KNOW THEY ARE DOING THE SAME ILLEGAL THINGS TO ME.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like to file a complaint against the " Capital One Financial Corporation '' On XX/XX/XXXX I replied to an offer and applied for a new credit card with them. I then contacted them to see how long it will take for me to receive the new card. Without my knowledge and authorization, the representative reported the card stolen and sent out a new one. After I received the original card I tried to activate it on XX/XX/XXXX and found out that my account was locked and that I needed to submit a copy of my ID, bank statement and social security card, over an internet link. I had concerns over security of this upload but agreed under condition that this information will be destroyed after verification, and not stored in this company systems. This company has a record of lax security and major breach in XXXX, not to mention my personal experience of their incompetence, and lack of proper disclosure. They said it would be done but that they could not provide this in writing, and did not agree to have this promise recorded. I then asked about the option to refuse and have the account closed, but they told me they would not retract the two hard credit pulls they did to open this account. The replacement card has not arrived yet. 

Including this incident and a savings account I used to have with them years ago, which was also mismanaged, as far as my experience is concerned, I do not see how this company keeps its license to practice business.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I called to make a payment on my card by Electronic Funds Transfer. The payment was for {$20000.00} and was made through the automated system. I received a confirmation number - XXXX. However, only {$18000.00} was credited to my account. 

When I called to ask why this happened I was transferred ( after a 10 minute hold ) to the fraud department in the XXXX, who didn't know why I had been transferred to them. Rather than dealing with a bunch of amateurs who don't know what they are doing, it is easier to get this resolved by complaining to the XXXX- which will force the company to give my issue the time and attention it deserves. It is sad that the XXXX has become the XXXX customer service department
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.
Consumer complaint received 2022-04-27
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

This account has been in dispute since the day it was placed into negative status and eventually into collection and subsequently sold to a third-party collection agency. As with millions of other Americans, when the plandemic hit our country in early 2020, I entered the ranks of the unemployed. I applied for every available avenue of unemployment but was denied every single time. Therefore, I had zero income and was forced to rely on any savings I managed to accumulate. 
During the time of my financial struggle, I was in constant contact with this credit card issuer advising them of such. I continued to make small payments although those did not even amount to the required minimum on the debt. To make matters worse, this shady credit card issuer, Citibank, took my existing balance and although my credit limit was very much higher than my balance, my limit was lowered to far under my existing balance causing the card to appear as if I was over limit, which I was not. This is a very unscrupulous, shady and consumer fraudulent tactic to enble credit card issuers to sell cards off for a loss. This is what I am filing a lawsuit and complaint with the FTC for against this institution.I am looking for this credit card debt to be dismissed as I was denied the time I requested to make payments and then eventually pay it off. As you can see by pulling my credit report, my credit prior to this isolated incident was perfect. That they used an underhanded tactic to claim credit card customers were over their limit when in fact they were not, should be grounds for severe penalties and sanctions.