davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( TransUnion, XXXX  and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp (FL)

I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (CA)

Allied interstate said I owed XXXX dollars from XXXX account. I advised them that it was a I d theft investigation. They advised we will not help you and put it On the credit bureaus I found the equipment sent in my garage and sent it to an fish office and received credit. I contacted XXXX and they said if I pay it they will remove it from my credit. I then paid the XXXX dollars even thought I had a I d theft complaint started. The balance became XXXX. Allied said we are not here to listen. Then sent a letter that I agreed to pay the bill with them and made a schedule to pay the difference. I have the letter which is false and intentionally done by them.
Consumer complaint received 2019-07-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

CFPB I have reason to believe there may be a Car Loan that doesn't belong to me I just got a email at XXXX XXXX XXXX XX/XX/XXXX Saying thank you for Registering with XXXX XXXX.. 
I Haven't bought a Car since XX/XX/XXXX And that XXXX was paid off within 2 months .. 
My MY DRIVERS LICENSE STOLEN IDENITY COMPROMISED RECENTLY..
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I defaulted on a {$1000.00} XXXX XXXX credit card in XX/XX/XXXX ( over 12 years ago ). The debt does not show on my credit report. It was discharged. A company called portfolio recovery associates LLC somehow got my number in XXXX. They have called me from various numbers approximately 1500 times in 3 years. They claim the debt is {$4000.00}. 
Even tho the debt is discharged and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for 8 years ) because of the constant harrassment
Consumer complaint received 2019-07-20
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. (NC)

Equifax announced a cybersecurity incident one of the largest in history about unauthorized data access that occurred from mid XX/XX/XXXX to XX/XX/XXXX. The data breach was discovered by Equifax on XX/XX/XXXX. My data during that time frame from mid XX/XX/XXXX to XX/XX/XXXX was part of that breach. This put me at great risk and should not have happen.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

The referenced account from XXXX XXXX XXXX in the amount of {$7900.00} is not my account. This account was opened in a result of identity theft and then sold to a third-party debt collector. I requested a proof of purchase as well as a signed purchase agreement and they were unable to provide me with the requested information. Please remove this from my credit report immediately. I would also like for the following hard inquiries to be removed immediately due to fraud and identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-04
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. (TX)

I have paid the debt with the original credit with XXXX/XXXX  service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. Equifax does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Consumer complaint received 2019-04-04
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)

XX/XX/2018 payment was made to XXXX XXXX at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

Over a period of a year and a half up to 10 inquires were added to our Equifax reports for the one loan we were seeking approval for. Starting in XX/XX/2017 up to the present the inquires on our Equifax report were for one loan and that should be noted. One or two inquires have dropped off our reports but there are still up to 8 still listed. Our view is one loan, one inquiry.
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NY)

I returned my lease to XXXX and was told I did not owe anything and all payments were paid. On my auto credit report said balance due {$0.00} and on the XXXX XXXX XXXX website as well also said {$0.00}. Now I received a bill of {$380.00} after account has been closed and Balance is at {$0.00}. There was no excess mileage or damage and I was of any future charges I would be responsible for until now. My husband is currently XXXX XXXX XXXX and I am unemployed but currently only receiving financial help from family at the time and I can not afford to pay this amount and dont understand what why I am being informed of this being owed after I returned the lease and account was closed.
Consumer complaint received 2019-07-20
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

To whom it may concern, Thank you for taking the time to read my complaint. My name is XXXX XXXX, and I have some student loans with inaccurate information, my account number is XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. After checking my credit report, I discovered a late payment was reported on XX/XX/2016.
Consumer complaint received 2019-04-04
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX MIDLAND FUNDING 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 MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have 2 Capital One credit cards and My wife has one. On, XX/XX/2019, we paid the balances of our credit cards off. On XX/XX/2019, I logged into the Capital One website to ensure all of the cards showed a XXXX balance. I noticed on one of my cards there was an outstanding balance of {$20.00} and a pending interest charge on my wife 's card for {$59.00}. My other card has a pending interest charge of {$98.00}. I called to ask how interested was charged on a XXXX balance. The customer service rep told me it was residual interest. When pressed she could not provide a satisfactory explanation. I was transferred to XXXX  Employee Id XXXX. She identified herself as a supervisor. Again, she was not able to provide a satisfactory explanation as to why the residual interest was not included in the balance 3 days prior to the actual due date. I asked if they could waive the interest and was told no. It occurs to me XXXX XXXX was sanctioned severely for using unfair, and deceptive practices. I believe Capital One is using a similar tactic to rake in several million dollars of phantom interest. I am certain that any language in the credit card agreement is not clearly or conspicuously available and certainly would not be understood by the least sophisticated consumer. As such, it is my hope your agency will launch a full-scale investigation into the unfair and deceptive business practices of Capital One and deal with them accordingly, as this practice is clearly causing financial damages to honest consumers nationwide and clearly they know what they are doing with respect to these unfair and deceptive practices
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. OnXX/XX/XXXX I checked my credit report with Transunion and XXXX and my Transunion Report showed XXXX scoring while XXXX showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( Transunion XXXX and XXXX   XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from Transunion in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX XXXX account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX XXXX account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.
Consumer complaint received 2019-04-04
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. (VA)

XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed

two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points.
XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

Statebridge Company has and continues to not send my monthly mortgage statement on time, as of today, XX/XX/19, no statement has been received by me even though the payment is due XX/XX/19. This has been a common practice of Statebridge Company in order to assess late fees for payments not received on time.