davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (IN)

On XX/XX/XXXX I initiated a {$600.00} payment through PenFed for my auto loan. On XX/XX/XXXX, I saw this payment was returned by my financial institution, XXXX XXXXXXXX XXXX  so I moved some more money into my checking account and initiated another payment. PenFed shows this transaction as being returned on XX/XX/XXXX although it cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I tried accessed my account to set up my next payment, but did not see the loan. 

I called PenFed on XX/XX/XXXX and learned there was a repossession order on my car and that PenFed was saying both payments had been returned. I was told I needed to go to my bank and get a print out showing the transaction had cleared. I did this and was given a receipt showing the amount of the transaction, a tracer number, and other details and the branch manager signed it and provided a phone number. When I called later in the afternoon to submit this document, the person I talked to seemed skeptical and wanted a screenshot of my bank account. I did this, and because I did not hear back I called PenFed the next day and was told this was denied because the screenshot did not show the details they wanted. The person I spoke to on this occasion seemed more willing to help. They said it was unusual for an ACH transaction to return the very next day and they put me on hold while they spoke to the ACH department. When they came back on the line, they mentioned that the ACH department couldnt see where this was returned and told me it would be sent to investigations. As a courtesy, she put a hold on the repo order through the end of the week. 

I did not hear back from PenFed so I called back on XX/XX/XXXX and they read the notes on my account and said it looked like investigations did not have the information they needed and they would submit the request again. 

On XX/XX/XXXX I made a payment for roughly {$2000.00} to stop the repo order on my car. This included a {$200.00} fee to stop the repo as well as the {$600.00} that I already paid. My loan was restored, however I have still not been credited this payment. I was also charged {$30.00} for the allegedly returned payment and I do not believe my car would have been up for repossession if this payment was processed properly.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (GA)

Fortiva opened a credit card in my name without my consent. The balance in my no interest Fortiva Retail account was transferred by Fortiva to an interest bearing credit card, negatively impacting my credit score. 

On XX/XX/, an alert posted to my credit monitoring app with a Risk Level of High. I contacted Fortiva on XXXX XXXX XXXX, at XXXX XXXX I was told by both a customer service representative and a supervisor that Fortiva sent me an email stating my Fortiva retail account would be transferred to a Fortiva Master Card unless I opted out by a certain date. I never received an email prior to Fortiva opening the credit card. Furthermore, I did not explicitly apply for or authorize a Fortiva Credit Card. 

The Fortiva supervisor informed me Fortiva was allowed to open a credit card in my name because I did not opt out in time. That's not how it works.
Consumer complaint received 2022-09-20
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. (NJ)

I have a XXXXXXXX XXXX  credit card that has inaccurate information being reported about it by Equifax. I contacted Equifax twice via their dispute portal and indicated that the ontime payments from XXXX to XX/XX/2022 are missing from my report and need to be updated to reflect accurate information. 

Equifax was also informed that my credit balance for this credit card hasnt been updated correctly since XX/XX/2022. Also, I specifically told them that my posted balance for XXXX should be {$0.00} and instructed them to update the correct info my this account. 

Ive filed 2 separate disputes about this matter with Equifax witn no resolution by them. Equifax did a supposed investigation in a day on both occassions that I filed my disputes and still didnt fix my complaint.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My due date is the XXXX & close date is the XXXX for XXXX Last month equifax reported INCORRECTLY & they did it AGAIN just prior to midnight dropping my score 36 points! More than last month. I just got off the phone with XXXXXXXX XXXX and they verified that its definitely not nfcus doing. 
ALSO equifax has been pulling my XXXX  TWICE a month! DROPPING MY SCORE TREMENDOUSLY! The due date for that is the XXXX and close is the XXXX. 
Equifax has me reported at 36 percent usage and I am WELL BELOW 10 percent, in fact Im at about 5.3 percent BY CHOICE!! 
Im requesting they remove this damage to my report IMMEDIATELY! 
Ive had issues with them several times over their horrible reporting antics and I will be drafting lawsuit papers for them in the XXXX 
Consumers have rights and are protected by laws that are put in place and they have broken your guidelines and laws too many times to go without paying me what Im due.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (TX)

The original company that owned the loan was XXXX. They had a reporting issue with their data. They fixed it and took it off our credit because they realized they never reported us late but then suddenly had a 120 day late which was not true. we tried to close on the house ( selling it ) and XXXX was so messed up on our payoff it was crazy. we had to wait two months to close... we finally closed on XX/XX/XXXX, well we had no idea that they had sold the loan to Specialized loan services on XX/XX/XXXX. So they processed what XXXX turned in to them which was incorrect. Now the Specialized Loan Services that we never even dealt with has effected our credit. We are now trying to close on our newly built home and now realize we have a 120 day late ruining us which is ridiculous! The company never even reported insurance/escrow as the home closed. So I had to send closing documents to the insurance. I am unsure what to do about escrow or anything else... I have never had anything happen like this which is CRAZY the amount of phone calls and letters I am having to write to try and get this fixed.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (AZ)

Amounts of {$690.00} AND {$710.00} from a company based in Texas called Law Offices MBA. The balance date was for XX/XX/2023 but I don't know when it's saying that I acquired the debt. Either way, I know that I did not acquire the debt because I have been extremely good about paying off anything that I get and also I've already reported my identity being stolen once before
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just checked my XXXX XXXX XXXX score. It used to be XXXX, but on XX/XX/2022 I noticed that it went down dramatically to XXXX. 

I have an A-1 payment history, and I have made 100 % of my payments on time. I have not made any new major purchases. The only change was my address, and I don't believe that should cause such an extreme decrease in my credit score. This is causing me to have difficulties obtaining premium interest rates when applying for loans, and credit line increases. 

I have attached a screenshot of my XXXX XXXX XXXX score to this complaint.
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CO)

I received a text message : This message is from CACi. Please call us at XXXX info at : XXXX Reply STOP to opt out. Msg & Data rates may apply. Thank you. 

To which I responded to via phone call; thought it was an employer with potential job lead. 

Upon verifying my information the gentleman said that I had an outstanding debt with XXXX XXXX XXXX XXXX ; my bank. I asked him to email the info; and he rattled off an email address that hasnt been used since I lived in XXXX XXXX TX. 

I gave my correct email and he did not send the email to me as of yet. 
I called back and got another person ; and I let her know that I had spoken to her colleague, and if the calls were recorded she would be able to see whom I spoke with and tell him I send me the collections information.
Consumer complaint received 2023-04-10
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)

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

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-22
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are still items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX A XXXX XXXX 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 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 XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-20
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. (OK)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-20
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. (AR)

This is bothersome! The Credit reporting agencies have not yet complied with the Fair Credit Reporting Act section 605b and continued reporting the disputed Fraudulent accounts and information on my Credit File. I have read that the Credit Bureaus are required to remove any account and information that resulted due to Identity theft, under the Fair Credit Reporting Act section 605b. However, the Credit Bureaus have been ignoring my disputes and as well as the CFPB Complaints I have been submitting. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crime. I never authorized anyone to use my personal information to open or inquired about any account on my behalf and that the accounts were opened due to fraudulent transaction. I am submitting this CFPB Complaint to you today to request that the Credit Bureaus completely remove the disputed accounts and information that resulted due to identity theft. I previously sent a disputed letter addressed to the Credit Reporting Agencies with complete attachments of my personal identifying documents and I have been waiting for their response since then. The Credit Bureaus have failed to respond to my letters and have claimed that the disputed items were mine. By the provisions of the FCRA section 605b, I am requesting that the Credit reporting Agencies remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$8000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$50.00} XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2023-04-10
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)

XX/XX/XXXX Equifax & XXXX To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company ( US Bankruptcy Court, XXXX, TX, and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XXXX XXXX XXXX Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The OCR and E OSCAR verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2022-09-22
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-20
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. (OK)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (TX)

On or about XX/XX/XXXX, XXXX opened an unauthorized account XXXX using my Social Security Number in XXXX Georgia. 

I did not live in XXXX Georgia on or about XX/XX/XXXX and did not authorize the account. 

XXXX made no attempt to stop the unauthorized transactions and in fact, the unauthorized transactions continued through XXXX. 

XXXX via their collection agency " Eastern Account System '' reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX via their collection agency " Eastern Account System reported the fraudulent account as a charge off for {$1900.00} on XX/XX/XXXX on my XXXX credit report. 

XXXX has repeatedly accessed my credit reports without my permission, a violation of the FCRA.