davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lendmark Financial Services (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LANDMARK FINANCIAL SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-11-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Request for Clarification on Collection and Charge-Off Status I am writing to request clarification regarding the status of my account, which has been sent to collections and marked as charged off. 

I understand that this status can significantly impact my credit report and would like to confirm the following details : The total amount owed and any applicable fees. 
The date of the charge-off. 
The name of the collection agency handling my account. 
Any options available for settling this debt. 
I appreciate your prompt attention to this matter, as I am eager to resolve any outstanding balances and understand the implications for my credit report. 

Thank you for your assistance.
Consumer complaint received 2022-07-28
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2022-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We've enjoyed a business relationship with XXXXXXXX XXXX the services of our XXXX XXXX Credit Card for the past three years. Capital One Recently purchased the servicing rights to this credit card in XXXX or XXXX of 2021. Capital One proceeded to cancel all existing autopayments without proper verbal or written communication to the existing customers and card holders of the XXXX XXXX Credit Card. In reviewing our credit history with XXXX XXXX and XXXX XXXX we've never incurred a late fee or a negative payment history, however after the aquistion by Capital One the removal of our enrolled autopay created a late payment and a late payment fee. Capital One agreed to refund our fee of {$40.00} for there mistake, but not correct our credit report which now reflect a late payment in our now blemished credit history. I would like to seek protect and assistance by the consumer financial protection bureau and protection under the laws to assist in resolving this issue.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 Other Identity Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During tax season refund time for XXXX so XX/XX/XXXX After I had reported that my account was taken over by an employee of BOA / in person at the bank My account went into risk closure. Well they illegally kept it open for deposits when seeing my tax return Magically during risk closure and them aware I had no control or access to online banking THEY ALLOWED TWO TRANSACTIONS OF XXXX to post as a credit and knowing there is no transaction to match those! 

I have reported this to XXXX XXXX in Michigan the attorney general and the IRS IS STILL WAITING IN A RESPONSE FROM THE BANK SINCE XXXX Boa ILLEGALLY WITHHELD MY STIMULUS CHECK OF XXXX and did not grant any sort of access INFACT when I couldnt withdraw and they violated federal law they then waited 30 days to RETURN THE CREDIT CARD PAYMENTS I MADE AND DESTROYED MY CREDIT THEY ALSO ARE WRITING OFF THE NEGATIVE BALANCE UTILIZING FEDERAL FRAUD BECAUSE THAT IS NOT OKAY I AM NOT RESPONSIBLE FOR THEIR MISTAKE OR EMPLOYEE THEFT YOU SEE ONLY THE DEPT AT BOA IS CAPABLE OF DOING SUCH IN THE MIDDLE OF RISK CLOSURE THEY KEPT MY XXXX tax return XXXX ish and the XXXX stimulus They do not care they had been reported to many officials and DO NOT RESPOND I HAVE BEEN REQUESTED THIS FOLLOWING AMOUNT BACK XXXX I deposited into the atm to make it positive and that Was not a balance I was legally entitled to pay because of the theft reported they were aware I had no access to mobile banking and they have all calls records and I have all the records showing the amount of their fraudsters claims in the middle of. Risk closure. 


I have filed for two years. It is not okay. 

I AM REQUESTING THE XXXX I paid to make positive when they did not give me my tax refund they took it from me for a balance on their fraud claim they authorized During my issue and they were aware in person and via phone XXXX I put into atm XXXX stimulus I can provide documents that they did not provide me any access and return the bill pay I did attempt to use that on And I want my XXXX $ XXXX tax return deposited into this BOA due to them being aware that was coming and leaving it for deposit once I informed her of my return being sent to my bank I want this money issued within 15 days as they failed to respond as it is not okay
Consumer complaint received 2022-01-13
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. (FL)

My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Consumer complaint received 2019-10-22
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. (OR)

My credit report file for Equifax ( only Equifax, the other two credit bureaus were correct ) was merged with another person. Another person had a similar SSN and so their name, DOB, and address were associated with my SSN. This person is named XXXX XXXX. I have no idea who XXXX XXXX is. 

I had a year long attempt to get Equifax to change my name, address and DOB to match my own. I sent in a photocopy of my drivers license, SS card, and a cover letter explaining my dispute. Equifax continuously failed to change my name, until finally they changed only my middle and last name ( they forgot to change my first name ). they changed my name to XXXX XXXX XXXX, when my name is XXXX XXXX XXXX. They were able to change my address and date of birth. When they sent me the credit report, the report was 22 pages of some elses information ( including personal information such as their address and SSN ). 

ALL OF THE INFORMATION ON MY CREDIT REPORT IS ASSOCIATED WITH THIS OTHER PERSON. Because our files were merged, none of my information is on my own credit report and my first name continues to be incorrect.
Consumer complaint received 2022-12-27
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: LEXISNEXIS (AL)

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified CXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my VERIFIED AND UNVERIFIED consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00}
Consumer complaint received 2023-01-19
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-25
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-12-28
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My complaint is that Credit Acceptance Corp has been reporting inaccurate late payments to the credit reporting bureau 's for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Back Story I was adversely impacted by Covid-19 XXXX of XXXX. Prior to Covid, I had never been late on my car payments. The moment my plant was shut down, I contacted Credit Acceptance Corp. to inform them of my financial difficulties and to inquire about payment options.

Credit Acceptance allowed me loan relief in the form of payment arrangements, however, I recently discovered that they have been reporting me as late to the credit reporting bureaus. I have contacted Credit Acceptance several times to inquire as to why they would report me as late if I am making my weekly payments and I have been ridiculed, laughed at, dismissed and treated very unprofessionally. Additionally, I have petitioned all 3 credit bureaus to have the late payments removed and have heard nothing back. 

I have gone on Credit Acceptance 's website and they have not honored any of the verbiage contained within their own website as it relates to handling those impacted by Covid-19. I feel discriminated against. 
https : //www.creditacceptance.com/coronavirus-response Moreover, I am entitled to an accurate credit report free from errors and what Credit Acceptance is doing is just plain wrong and violates the CARES ACT protection as it prohibits lenders from filing a negative report about the borrower to a credit rating agency. 

Please help me remove these late payments and make Credit Acceptance stop this unjust practice.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NET CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

I opened a credit card ( Wyndham Rewards XXXX XXXX XXXX ) account with Barclays in XXXX, XXXX. I joined the XXXXXXXX XXXX XXXXXXXX and entered XXXX XXXXXXXX XXXX XXXXXXXX. I remain on XXXX XXXX. And requested SCRA benefits, including a waiver of the annual fee this past XXXX. Despite my eligibility, the company denied my request, stating that I didn't meet their criteria since I entered XXXX XXXX before opening the account. I've tried to resolve this issue with the company, but they've maintained their position. The company 's stance seems to contradict the spirit of the SCRA and and the relevant regulations. As an XXXX XXXX servicemember, I should be eligible for SCRA benefits regardless of when I opened the account. The law is intended to provide relief during XXXX XXXX, not just for newly opened accounts. 

I'm seeking assistance to have the annual fee waived and my SCRA benefits applied retroactively.

I look forward to your assistance in resolving this matter.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2019-04-29
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: Southwest Credit Systems, L.P. (DE)

On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX   neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to Southwest Credit Ststems, L.P who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XXXX.I aquired XXXX in XXXX.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.