davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX RE : XXXX XXXX XXXX XXXX Protected Consumer to XXXX XXXX XXXX EQUIFAX. I am a natural person who is at all times relevant. My Consumer Report shall always be FAIR and EQUITABLE to me. XXXX, XXXX, AND EQUIFAX are each reporting this XXXX XXXX CCOUNT on my Consumer Report, I am requesting a complete reasonable INVESTIGATION AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF investigation into all accounts before placing these accounts on my Consumer Report. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV FORMS, CARBON COPIES, FROZEN SCANS FROM YOUR INVESTIGATIONS, AND WHAT PROCEDURES ARE USED IN YOUR INVESTIGATION. EACH CONSUMER AGENCY is required by FCRA to have a copy of the original creditor 's documentation on file to verify this information is correct and is in fact mine. PROVIDE THIS ORIGINAL DOCUMENTATION REQUIRED UNDER ( SECTION 609 a1a ) AND ( SECTION 611 a1a ) SEND THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT. UNDER ( SECTION 611 5A ) you are required to delete unverifiable information.

The law is very clear as to the CIVIL Liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. I am litigious Consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Send updated Consumer Reports. Send Consumer File.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (SC)

I the the original creditor and federally protected consumer have recently obtained my credit file and noticed an inaccurate and unverified account being placed on my account negatively and reporting to the three credit bureaus. This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. These entities are a third-party debt collector and have no right to my Consumer Information. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (TX)

Financial Assistance , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I've tried repeatedly to have this unknown debt removed via written dispute requests, but the collections agency refuses to validate this debt and perform any valid investigation.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The CFPB provided a XXXX interpreter named " XXXX '' XXXX # XXXX XXXX to help me with this complaint. 

I want to audit my HSBC accounts, before XX/XX/2021, to account for the missing {$1500.00}. 

If HSBC wishes, please speak to me directly through a XXXX interpreter. 

On multiple occasions, HSBC had verified that my son could speak on my behalf. But, HSBC is not keeping their word ; thus, I request HSBC, if it wishes, to send me an HSBCs own Power of Attorney form to my home address. 

XXXX XXXX XXXX and XXXX XXXX XXXX at HSBC had never mentioned that HSBC, like most California banks, had their own Power of Attorney forms. 

REGARDLESS, I was the account holder, and I have every right to examine my XXXX accounts after they are closed ( according to an XXXX representative, after " up to XXXX years '' ). 

In XX/XX/2021, HSBC claimed the remaining balances totaled {$1700.00}. In XX/XX/2021, HSBC claimed the remaining balances now total {$1900.00}. 

According to my calculations so far, the remaining balances should total around {$3300.00}. 

I am aware of the fact that HSBC has made mistakes regarding their customers deposits XXXX documents available ).
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-03-25
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)

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX   XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, Transunion, and XXXX, plus XXXX, disputing the the discharged debt. XXXX  dispute came back as the debt will remain, Transunion continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Collection Bureau, Inc. (PA)

When calling the agency reporting on my credit I spoke to a rude man. He would yell over me and would not give me direct answers. He kept using tactics as go to a hospital and dont pay thats great. I advised him of a XXXX and XXXX I had but the debt has been paid. I wanted to verify what this was from. Instead of giving me the information he insisted they already gave me a discount and pay my bills. He was rude and threatening. I ask to speak to his manager and he stated there was no manager and would not allow me to speak with someone else. I later called and spoke to his manager. I gave my complaint about the employee but he insisted with the same behavior and tone. I felt as they were harassing me over the phone. They used terms like we gave you XXXX of dollars off I had the treatment done and pay the bill. Why do they have any right to make any statements regarding my personal medial Information or even form an opinion. They tried to scare me and make me think I better pay without questions. 

XXXX XXXX was said employee and XXXX XXXX was said manager. Phone number XXXX I called on XX/XX/21 and XX/XX/21 I am going on circles getting no where but harassed.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NY)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Consumer complaint received 2024-09-14
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. (IL)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report
Consumer complaint received 2021-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021, I received an alert from my credit monitoring regarding a hard inquiry from XXXX. I called XXXX immediately to report the fraud. They confirmed that someone used my social security number to open a credit card. As a result, they declined the credit card application. After the call, I filed a report on identitytheft.org and placed a fraud alert on all 3 credit bureau. 

On XX/XX/2021, I received another alert stating neiman marcus made a hard inquiry through XXXX  and someone attempted to open a credit card with my social security number. Neiman Marcus stated that the credit card application was declined as there is an active fraud alert. I requested for a letter stating the fraudulent incident, but they refused to provide as the application was declined. They also stated that the hard inquiry will be dropped from my credit report after 30 days. 

Since then, I've been monitoring XXXX  on the hard inquiry but it was never removed. I attempted to dispute with XXXX  and they stated that neiman marcus is the only source that can request removal of the alert. 

On XX/XX/2021, I contacted neiman marcus and requested to speak with the fraud department. They told my phone number but never got back to me. I called capital one, the bank that host neiman marcus credit card. Since I'm a capital one customer also, we had a conference call together with XXXX from neiman marcus. XXXX stated she will contact equifax to get the inquiry removed. When I requested for a letter stating which information is fraudulent, she stated that is not something they provide and told me to wait 90 days. 

I am skeptical of neiman marcus ' willingness to resolve the fraudulent activity. 
-They never called me to understand the fraudulent activity. 
-They never provide a letter stating which information is fraudulent. 
-XXXX was not able to help in any way.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-25
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. (KS)

As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on Equifax need to be removed. The tradeline must be removed from XXXX, XXXX and Equifax.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from TransUnion, XXXX and XXXX.
Consumer complaint received 2022-08-12
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/201XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I always paid and pay on time and Im on auto payment set up with all of my credit cards and capital one all of sudden reduced my maximum allowances from {$5000.00} to {$3000.00} without any notifications and reported to transition with no valid reasons. I called them numerous times to explain why such a change even though I was always pay on time and on auto set up so I can not be late on any payments what so ever. They never replied back and instead reported to credit bureau XXXX XXXX with NO VALID REASONS AND I need this report to be removed immediately and my credit got all messed up due to this nonsense act by capital one and very shady act. Must be reported and must be removed ASAP immediately please.
Consumer complaint received 2023-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NY)

This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXXXXXX  to XXXX XXXX  witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I leased my first vehicle from XXXX XXXX with my sister on XX/XX/XXXX. During the closing process, I was talked into buying additional packages by the finance person, one of them being the Excess Wear and Tear package.

The finance person used a water bottle as an example and said how easy it was to get scrapes and dents on the car, and urged me to buy this Excess Wear and Tear package. He went on to say how it was the best option for me to have the package as this would allow me to conveniently just drop off the car without any worry at the end of the lease period. When he saw that I was hesitant to buy the package, he tried to convince me by saying that he had no ulterior motives and that he also made all his nieces and nephews who are of around my age to buy this wear and tear package when they were leasing. He put me under a lot of pressure to decide quickly whether I wanted to buy this package or not by saying that he was already late to a dinner with his wife and that the dealership was also closing in 30 mins. I had to quickly make a decision without being given time to read the terms and conditions of the package. 

Now in XX/XX/XXXX, about one month before my lease ends, as I am looking into what to do with my lease - if i want to buy my lease out or return it, I learned that the wear and tear package that XXXX has sold me does not cover anything if I decide to purchase the lease. When the wear and tear package was sold to me, it was never disclosed to me that the package would not cover anything if I decide to buy my lease, and that the car will be sold to me " as is '' condition. Nowhere in the Excess Wear and Tear addendum also addressed what happens if the lessee decides to buy the car. 

Now that I am considering to buy the leased car and asked XXXX about how the wear and tear package can be used, I was redirected to XXXX XXXX XXXX. There, I was informed that this package can not be used to cover any repairs for the wear and tear in the case that I bought the car and that XXXX should have been honest with me in explaining this information. Sadly, I was not informed about how the wear and tear package would render useless in the case that I buy the car and was deceived into paying {$730.00} for the package with the omission of details.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.