davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (WA)

Got a letter from American Express dated XX/XX/2022, reference number : XXXX Stated they need more information for a XXXX Card that I did not apply for. I called American Express to discuss the fraudulent application and they stated the fraud department was currently closed.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have asked several time 's for LVNV Funding LLC to verify that the debts are mine. They have been unable to verify this information as of today. I have even offered to pay the debt to remove them both from my credit bureau reports ; as I am attempting to buy a home and this is prohibiting me from bettering my life and building a financially secure future.I want both accounts that LVNV Funding holds to be removed from my credit report immediately!
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: EQUIFAX, INC. (FL)

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  XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Consumer complaint received 2022-07-04
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. (VA)

In accordance with the Fair Credit Reporting act XXXX OF XXXX ACCT # XXXX and XXXX, CHILD SPRT ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXXXX/XX/XXXX XXXX ACCT # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, XXXX OF XXXX is showing 2 different account numbers ( XXXX and XXXX ) which is an inaccurate reporting of information
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Rec Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXi Account # XXXX, XXXX Loan Account # 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 an account without my written instructions
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for XXXX XXXX, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX
Consumer complaint received 2021-02-09
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: NRA Group, LLC (PA)

On XX/XX/2018, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I spoke to a Kohl 's Credit Customer Service Representative in XX/XX/2018 and spoke about sending in a settlement for my account as I was going through a separation that was causing a hardship on my financials. The Kohl 's collection representative said told me they would settle for a {$100.00} payment and gave me instructions to send the check with the details " Paid In Full By Settlements and send a letter with the payment in regards to our conversation. I did so on XX/XX/2018 and they indeed cashed my check but the account still remains on my credit report as a " closed charged off sold '' account BUT still showing I owe a balance. I have contacted via mail and by phone to get this resolved since its been over a year and they claim there was no settlement done. I have sent them copies of the letters and the endorsed check with the details showing on the front and back. In the last 3 weeks, I have spoken to several of their representatives ( ID # XXXX, ID # XXXX ) where I was told that yes they see the notes on the settlement in the system and that I would be getting a letter stating it was resolved by settlement and the credit reports will be updated. I was told this on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX however, when I called to check on the status on XX/XX/XXXX I was told they see nothing in the system even though I was told by the last 3 representatives that they saw all the notes. They are continues unprofessional and should be considered fraudulently games when I did everything I was supposed to do and followed the instructions of their company 's employee. I feel that the law should protect me as a consumer against a company like this. I attempted to leave a message for their corporate office legal department with no response.
Consumer complaint received 2019-10-23
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. (AL)

I have sent numerous letters and disputes regarding two erroneous, inaccurate, and unverifuable accounts listed by XXXX XXXX XXXX. In response to the CFPB XXXX XXXX XXXX finally admitted they do not have the necessary documentation and could not get it from the so called original creditor. They stat3d they were stopping all collection activity and sent a letter they had removed it from all credit bureaus. Equifax received not only their request for deletion, but i also sent them a copy if the letter from XXXX and the CFPB reesponse showing XXXX remived it and requested they do so. Still, equifax refuses to correct this issue and instead has verified it as of XX/XX/2019 even after XXXX has requested its removal and they were provided proof of such.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-10-23
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. (GA)

Experian is in violation of consumer rights by reporting a fraudulent account on my credit report. I do not recognize the account listed below and request it be removed from my credit report. 

XXXX XXXX XXXX Date opened was XX/XX/2016 Account Balance {$9800.00} The account listed is fraudulent and unverifiable. I am requesting it be permanently deleted from my Experian credit report.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have never applied for credit with capital one and they have placed a hard inquiry on my report with out authorization. IT NEEDS TO BE REMOVED.!!!! 



Inquiry : XX/XX/2019 ( XXXX ) XXXX XXXX an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX originated FHA mortgage XXXX paid off FHA mortgage inc the original mortgage wet signature note marked paid XXXX found the XXXX release recorded had been sending payments unknowing we had paid off the mortgage. 
Filed XXXX  XXXX Bankruptcy 20 days after I filed Bank of America filed $ XXXX mortgage claim. They would not answer any request for proof documents instead lifted stay and disappeared. Bankruptcy discharged under XXXX XXXX XX/XX/XXXX XX/XX/XXXX BoA filed foreclosure again we demanded FHA document proof we told their lawyer we never signed an FHA mortgage with them. And sure didn't get $ XXXX BoA claims they have the required fraud dept. Instead received a notice of sale. BoA is now proceeding to sell our house and defraud the FHA mortgage program with a fake mortgage. 
Attached the notice of sale Misspelled address TWO houses separate addresses terminated XXXX legal description Wrong tax ID number
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (NY)

This bank treats me horible its a disgrace how awful Ive been treated I have proof I will report them to government agencys they like to play games with me and treat me horible this is a lady called XXXX XXXX which was nice when I explained to her everything but then she kept extending the time and everyone refuses to tell me whats going on the brAnch blames XXXX throw me away and tell me to come back when its all clean red I got my report from them and nothing shows negative but then I fax it over to this lady and she told me friday she will have a response now I wait 2 weeks and I called yesterday Monday XXXX and she changed says I cant bank with them and they decided not to do business this is so unfair and discriminatory after having me waiting and cooperating with them they decide to throw me out! I hate them this bank must be investigated they have a problem with me and I did nothing to them for them to treat me this way instead of opening me an account they refuse and treat me horible over the phone bank level and branch level
Consumer complaint received 2019-10-23
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. (IL)

On XX/XX/XXXX, I'd opened a XXXX Mastercard account ( XXXX XXXX ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to XXXX XXXX  to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX   XXXX and Experian ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via Experian. 

After several dozen calls and multiple hours of my time, I'd contacted XXXX XXXX ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting Experian and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.
Consumer complaint received 2022-06-30
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. (CA)

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.