davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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. (TX)

I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 680XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX  Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. 

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

Citibank was notified many month 's ago that I was a victim of Identity theft. Citibank, Was given an FTC Identity Theft Affidavit, Which clearly explained the crime. I am a victim, not the criminal. Citibank refused to assist with the investigation, even though citibank themselves confirmed that the credit cards they sent out. Went to an Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which I have never lived at. Citibank, never provided a response and citibank never investigated nor closed the fraudulent account ( s ).  These were opened by an identity thief using stolen identification documents. Which were in my wallet when they stole my wallet, and then proceeded to use my identifying documents. I reported this to the police, and to the FTC. Which is taking action to find the criminals. However Citibank is now attempting to file a Claim against me in a court of law for a Judgement for Debt that IS NOT MINE. The debt is the same credit card in which citibank was advised was fraudulent. I do not have any accounts, Nor have I ever done business with this banking institution. Per LAW they have to send me confirmation PROVING said debt, if they are attempting a judgement on the fraudulent debt. Again, I never signed any application, I have never received any credit cards from the company at all. I have not received any monetary benefits from said credit cards, bank accounts, nor personal loan or Line of Credit. These are all accounts that CITIBANK ALLOWED TO BE OPENED AND APPLIED FOR, WITHOUT MY CONSENT. The Hard Inquiries, that resulted from these accounts were deleted with the credit bureau, XXXX The Accounts were deleted and blocked from all 4 Credit Bureaus. Yet, Citibank is attempting to collect on the fraudulent debt, KNOWING it was fraudulent debt. I want this company reviewed, as they aren't following the FCRA, They aren't following the FAIR DEBT COLLECTION ACT, They aren't following the laws applicable to the state of Texas. I will report this to the Texas Attorney General as well. This is harassment, they have not even provided me with statements or anything from these accounts. They allowed a Fraudulent Email address XXXX, To OPEN THESE Accounts. I do not have access to their online site because again I DID NOT AUTHORIZE Any Applications, nor accounts with Citibank NA. This is fraudulent debt, and I will not pay said fraudulent debt.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent Capital One Bank a notice on XX/XX/2022 stating my consumer rights are being violated, due to late payments being reported to my credit profile and how it has coursed harm to me and my family, preventing me form qualifying for credit.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (IL)

XXXX XXXX reported me to a collection agency ( Credit Management/CMI Group ) in XX/XX/2020 after I disputed a cancellation of service date and subsequent charges. I was never notified I was reported to a collection agency. My account with XXXX up until that time was spotless, as is the rest of my credit report. 

Additional History : After settling the dispute and making a final payment to XXXX on XX/XX/2020, I thought the matter was closed. I applied for a line of credit in XX/XX/2020 and noticed that my credit score was much lower than usual. I investigated and noted that XXXX had turned my account over to Credit Management as noted. I contacted Credit Management but was told they could do nothing unless XXXX called them and canceled the collection request - they did not offer to contact XXXX directly. I subsequently contacted XXXX XXXX, and the gentleman XXXX XXXX XXXX that was initially assigned to my case, multiple times and never received a call back. On a subsequent contact, I was referred to a department that told me that XXXX never refers accounts to collection agencies and would/could not help me further. 

With a final attempt at contact with XXXX XXXXCMI Group, with the XXXX XXXX XXXX listening in with an extra phone, a manager at XXXX XXXXXXXXCMI Group ( XXXX XXXX - she was very helpful ) stated she would cancel the account with XXXX and notify the credit bureaus to remove the derogatory report from Credit Management/CMI Group. 

I went into my XXXX XXXX Credit Report on XX/XX/2020 and the Credit Management negative report is still there, unchanged. 

I am getting ready to apply for a new home mortgage soon and need this reference removed as quickly as possible in order to improve my credit rating and credit score. 

I am very concerned about how XXXX treated me ( which I think might be illegal ), and concerned that Credit Management chose to report me to the credit bureaus without seeking my input. Do they have the right to do that?
Consumer complaint received 2023-01-26
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: Resurgent Capital Services L.P. (FL)

Great evening I have a company called LVNV Funding LLC that reported a debt to my account. I do not owe this company any money. They are not the original creditors of the debt. This should have never been reported and it's affecting my credit profile. I reached out to the company and the first rep lied when I asked to speak with a supervisor, the second rep was unprofessional and laughed while I'm trying to discuss account with her, third rep was a lead that didn't help and fourth rep was a supervisor didn't do anything but try to dominate call telling me that this is legal to do when it is clearly not. There is no documentation that anyone can send that I owe LVNV Funding LLC any debt.
Consumer complaint received 2023-01-26
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. (IL)

The past couple years XXXX. I've had disputed improper information reported on my credit report that has not been resolved. Equifax has personal information of mine that can used on the dark web and misused by those with I'll intentions.
Consumer complaint received 2023-01-26
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: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/22 XXXX XXXX XXXX added a collection on my Credit Report for {$120.00}. This collection does not belong to me. Upon further investigation. I went online to check the supposedly original creditor and saw the reviews of multiple people claiming this company damaged their credit in the same way and they had never been to this XXXX. and had no idea of this collection. This company is running a scam. I contacted all XXXX credit bureaus and XXXX was going to reach out to them. I wanted no contact with these scammers.
Consumer complaint received 2023-01-26
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  Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX  ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

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

15 U.S.C. 1681 section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX ( XXXX XXXX XXXX ) XX/XX/20 in the amount of {$1600.00} Account # XXXX ( XXXX XXXX XXXX ) in the amount of {$180.00} and Account # XXXX ( XXXX XXXX ) in the amount of {$140.00} has violated my rights. 

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

15 U.S.C. 1681 section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (AL)

Filed two a claim against a company and the first one was issued provisional credit. Second claim was not because I was told it was filed wrong. Called the bank and told them it was the same dispute as the first one that was issued credit. They told me they would refile. After not hearing anything I was told it was never refiled, so I asked for a supervisor. I was then told I would be called back. Was called back by someone in the executive office who told me she would file claim correctly and would keep me informed. At this point my account is overdrawn so I asked if I cant be issued provisional credit please give me a call so I can make a deposit. Never heard from her. Account was charged off and was told I couldnt be issued provisional credit I would have to wait until results of 2nd claim although first one had been paid. Results can back in my favor. I was originally told I could go to the bank and receive funds and now I am being told that I checked will be mailed in the business name well they closed my account for no reason and that was the only business account I had. Now Im being told the check will be in the business name so how am I suppose to cash it at another bank when that was the only business account I had? They opened the account back up to make the deposit and then closed it and are going to mail me a check now which makes no sense when they could have just left the account open since it was not my fault it got closed. Its like I am being pushed for filing a LEGITIMATE claim and I have no access to getting my money.
Consumer complaint received 2023-01-26
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. (FL)

Experian Credit Reporting has many incorrect postings and has hurt my score to a point it has hurt my entire family.

They have things on the report that are not true, they have set me up in one of their payment plans that I am not allowed to cancel, there is no way to cancel. 
They never answer the phone, I had XXXX XXXX try to fix one of their errors today and they were so upset with Experian that they quit trying. 
Please help me, I am XXXX XXXX XXXX and a Vetran. 
Thank you so much. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (CA)

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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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.
Consumer complaint received 2020-05-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We filing this complaint to clear up an on going issue that Select Portfolio Mortgage Servicing has failed to correct dating back to XXXX and XXXX. In reviewing billing and payment history posting errors are noted and because of this they are claiming missing payments. We have talked to them on several occasions and was told to send copies to correct it and it has not been done. They recently transferred us to a new Mortgage Company call XXXX XXXX XXXX  and this amount they claim is owed was transferred to them. I have spoke with XXXX XXXX  XXXX and they told us to get Select Portfolio to correct this amount and they would have to cleared up with them. Otherwise the amount will stay as is. The amount amount we deputing is {$1200.00} which is two payments. In reviewing there payment history it is note that two payments were made and Select Portfolio posted them but went back and debited them back. This issue took place on XX/XX/XXXX and according to our records no payment was missed but some were sent in late.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (SC)

The company I'm complaining about is KIA MOTOR FINANCE In XXXX of XXXX they called a reference of mine and I called them and asked do not ever call this reference again hey have contact number.In XXXX of XXXX and XXXX XXXX hey called the same reference asking them for my contact information.I called the today and advised again do not call this reference and they advised that the name is on my contract as a reference and i advised i does matter I have asked them not to contact my references because they have my contact information and i did advised i would be filing a complaint in regards to this matter This is a FDCP violation and I want this fined for it
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I sent an email through the Gm portal submitting the wrong reporting of payments and excessive billing out one month ahead which keeps reflecting a past due amount. I have had numerous calls for collects but no one can help me with email i submitted. Due to Covid no one is in call center and you can not obtain any help except through portal. What in place for covid in the state of texas as far as consumer protection?
Consumer complaint received 2023-01-29
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. (TX)

I am requesting Experian, XXXX, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Dear CFPB, On XX/XX/XXXX, I sent correspondence with my current driver 's License and utility bill via Priority mail see attached receipt, to Experian Credit Reporting. Again notifying them of incorrect, outdated and unsubstantiated addresses, employment and Public Records information they have been erroneously have been reporting in my credit file. 
I received confirmation of them receiving my request a week or so later saying they would be getting back to me with the results within 30 days. They agreed to remove some of the items I disputed. I never got an udated copy of my credit report from Experian. I went on their website as of XXXX, the items including the fraud statement are still on my report. have been asking them to remove the XXXX XXXX and inaccurate XXXX XXXX since XXXX and is still there along with the other items I disputed. 

I filed a complaint with CFPB on XXXX, due to no action by Experian ovr 60 days from my request on XXXX. Your agency contacted them and Experian said it would be another 15 days. Nothing happened, another 15 days were requested and has now sinced passed. It has been over 4 months since my recent request and over 2 years and 120 days since my XX/XX/XXXX request and complaint. 

Experian has now said they will remove the false information but I must again send in Identification. I have done so not less than 4 times over the last two years. 
Experian must remove the fase information according to Fair Reporting Laws.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (CA)

Hello, Ive had a credit card with Target for a few years now. Ive always paid my amount on time all the never missed a payment until recently starting in maybe XXXX or XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because of this sickness causing me not to work I wasnt able to pay my bill anymore. Ive tried contacting and figuring out a way to resolve this but I never hear back and now Im getting a debt collection. Its not fair.
Consumer complaint received 2023-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rainier Financial Group, LLC (ID)

1st Choice issued a {$750.00} loan on XX/XX/XXXX. The 1st payment was due XX/XX/XXXX which was too soon and I requested numerous times to.have 1st payment due XX/XX/XXXX. I had requested the first payment due on XX/XX/XXXX but they denied the request even though extending was shown as an online option. 

I ran in to a financial hardship where I could not make my 1st payment on XX/XX/XXXX. 

On XX/XX/XXXX, they violated my Financial Privacy by calling my job, my references and my landlord. My job was disappointed by this call. 

I was told verbally prior to the loan disbursemen that my job, references would not be contacted. I was told via email as well. 

1st choice made these calls after the loan was disbursed and after I was told they would not contact them. 

I have complained to 1st choice customer service, collections department, and department manager has been aware. They have done nothing to resolve this violation.

They have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I have attempted to find a reasonable payment solution. 

I appreciate your assistance with this matter and hope you'll provide me justice.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!