davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I see that you guys validated that these inquiries are accurate when I do not even have an account open with these inquires your are reporting. I would like a copy of my written signature, a written copy of the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately permanently delete these inaccurate items I included these inquires in my FTC report & as well as contacted the creditors and bureaus who say they was goin to handle it & remove these inaccurate items under FCRA Section 607
Consumer complaint received 2022-08-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IN)

I told XXXX XXXX that I would be moving. Told them in XXXX that I would have to move from XXXX because I had medical problems going up and down stairs. Company stated what I had to do. We would probate the time because I was leaving at the middle of month in XXXX. I had to probate that from bank to settle. so, when I try to go to the office the door was lock and the sign said close because of Covic19. Than I try to reach them because I needed to sign everything is clear. No, office, no phone service and I try emailing the company. That's went I got the run around they kept sending me emails stated when you move we will glad to set you up with gas, utilities and other things in your new place. I email them and said no remember I moving. so no communication from them. I never got no response to prove that I don't owe. I paid my last payment from in my bank got proof. One year later a agency call me and it was a New company name XXXX that took over XXXX XXXX and collections name Genesis collections is working to get {$3100.00} from me. I don't owe them any money at all. Pandemic cause me to be caught up with this amount. I am innocent of this. Please help my husband and I are trying to have good credit because next year were buying a house!!! thank you
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX/XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-03-07
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. (AR)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXX XXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX  - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX  - Account # XXXX XXXX XXXX of XXXX - Account # XXXX XXXX XXXX XXXXk - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX Account XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX Affirm Inc- Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX HAS ALL 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 that 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 any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I originally submitted a complaint with CFPB regarding LexisNexis listing the wrong case number in their database for my Chapter XXXX Bankruptcy. This information was being reported incorrectly to the XXXX major bureau XXXXXX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. I also requested a security freeze placed on my file with instructions for them to not disclose information to the bureaus which they didnt honor. 

I received the results of their investigation on XX/XX/2020 in which LexisNexis stated they verified case number XXXX as being correct through XX/XX/XXXX. After this i went direct to that database and search in their system under that case number XXXX, and through my due diligence that number return multiple case files not matching my CH. XXXX BK. Only after typing in the correct case number as supplied on my court documents sent to me by the courts and the attorney was able to pull the right file. 

I advise LexisNexis of this in the last investigation that the case number XXXX isnt the correct sequence to pull my case in public record, yet they refuse to due the proper due diligence correctly. The reason why this is important to show the accurate case number to search is because under the case number XXXX which LexisNexis says is correct in that order ( which it isnt ) will pull multiple other file cases that can potentially pull their negative information onto my records. That can cause devastating affects to my file and hinder me from being able to secure credit, financing and potentially residency. I have included documents to show proof
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im trying to clean up my credit from identity, theft, and inaccuracies and illegal use of my credit report, name. and other issues. Now I have to worry about a data breach from Experian! What is going on! I need my credit report finished as soon as possible with all the inaccuracies removed and late payments updated to paid in full never late. Hard and soft inquiries removed off my credit report because I didnt do them. The only address should be there is the address that I provided. The only phone number should be there is the phone number I provided. You guys are violating my rights. You guys are destroying my life! There should be no open accounts on my credit report. Remove them please.
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service (IA)

I was notified that my account was going to close due to inactivity. I immediately requested a new card on XX/XX/year> since the card I currently had was expired. The company did not send me tracking information or a new card. Without further notice from ECP the Military Star Card account was closed of XX/XX/year>. I was only made aware because of my credit monitoring services on XX/XX/year>. I called the company on XX/XX/year> and requested my account to be reopened. The rep declined, transferred me to a supervisor without my consent, and the supervisor declined the same request before hanging up on me. The 16 minute phone call was 11 minutes of holding and a 2 minute survey. The entire conversation with ECP lasted approx 3 minutes.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (VA)

NFCU needs to credit my account as I called XXXX to get this done but now I am tryin to ensure it gets done I need a credit {$50.00} for the past months since XXXX wich equals {$300.00}. 

I CLOSED the account with XXXX XXXX XXXX  in XXXX.I come to find out though I STOP and deleted my account info from their site. XXXX filed a complaint with merchant on XXXX. For whatever reason it was done So now I want to ensure the merchant REVOKED from accessing my account and I have request a letter of closure and never received and need this. This act is fraudulent as the merchant refused to dispute an item in which was valid. 

As I close the account they refuse to investigate and I chose to not d business with them which is valid based on these mentioned issues
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2021-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Atlas Credit Company, Inc. (TX)

I received a handwritten approval letter from Atlas Credit Co Inc after i contacted the company inquiring about the letter i received i was told by a rep to provide my personal information, before i was told that the letter was legit or not. I then provided the information requested and was told i would receive a call back. Once i received the call back i was told that i was denied but i was not given the reason for the denial on the phone but explained to them the handwritten letter that was received and what all it said and the approval amount for {$500.00} it was not a pre-approval letter but an actual APPROVAL LETTER but the rep still refused to provide me with the reason for the denial on the phone nor did she explain the approval letter that i received. I then tried to ask what was the purpose of the approval letter if they knew or had idea once i called about the letter that i would be denied. I feel that i am being scammed for my information, i am getting credit inquires on my report for this information after they run my credit and deny me.
Consumer complaint received 2022-12-13
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: CREDIT ACCEPTANCE CORPORATION (OH)

Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with Credit Acceptance interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

On XX/XX/22 at XXXX EST, I received a call from ( XXXX ) XXXX while at work, which was a number I did not recognize. I answered the phone, and there was a woman who asked my name, and I confirmed it. Then she gave me the last XXXX of my XXXX and asked me to confirm it. At that point in the call I did not verify and asked who she was/where she was calling from. She would not answer the question until I asked for the XXXX or XXXX time, and then she finally told me she was calling from Portfolio Recovery. Since I was at work I disconnected the call, as I was familiar with them and was surprised they were calling, as I had asked them to stop calling before and even changed my number. They tend to call from a different number every time they call. At XXXX the same night, I called them back at the number they called me on and told them I would like to make a plan to pay the debt within the next few weeks but they need to stop with the XXXX  phone calls, giving them the example of not identifying themselves when they are asked to. The woman on the phone, who sounded like the same woman from earlier, proceeded to tell me that that is her job and this is what they are asked to do in their job, and that the phone calls will continue unless I commit to a payment plan today. I did not commit to a payment plan at that time because I did not want to validate the harassment tactics. That is why I am filing a complaint.
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Opened XX/XX/XXXX Credit Coll Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used Bank of America 's billpay service to pay a {$3000.00} bill. They mailed the check to the recipient, and it was deposited on XX/XX/2020. 

Apparently the check was intercepted and deposited to someone else 's account. Because we have the canceled check, we have full information about the fraudulent depositor. 

I filed a complaint on XX/XX/2020 but there has been no activity and no resolution. It is now three months later and nothing has happened. We are out the {$3000.00}. 

There is no reason this can not be resolved immediately ; we have the depositor 's information, it should be a simple matter to contact the depositor 's bank and cancel the check.
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

i paid my monthly ( every month a problem ) This time they did not send all of my payment back but rather they applied it all to principle and none to the payment! I overpaid {$5.00} to make it an even {$2300.00} like I have always paid. Now they jacked me for a late fee and now my credit is also at risk. I have wasted over XXXX hours on the phone this year alone! Now the newest trying to get me event has a case number which is XXXX. This company does something to me every month! I have filed previous complaints to you and they just lied to you and you closed the case. I got a letter from them saying my house was abandoned. They sent me multiple payments back and denied doing so. They even called me late one night and swore at my wife and I. They told her to shut up as " the men are talking '' and even called her a ( XXXX XXXX several times. I am blown away that this company is able to do things like this monthly to me and get away with it. I filed a better business bureau complaint and an attorney general complaint. All dead ends. Who else is there to stop this madness??? I can't keep doing this. I'm going to be the first person to shoot themselves over the stress of loosing my family home to the most unscrupulous mortgage company on the planet. All I ask is for some real help here. I can't do anything as I'm just a citizen and military veteran. I just want the nightmare to end so please, please for God 's sake help! me!