davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (PA)

Genesis FS Card ServicesXXXX XXXX XXXX XXXX XXXX had a fraudulent charge on XX/XX/2022 from XXXX XXXX  ( Florida XXXX # XXXX for {$130.00}. I contacted Destiny and they canceled the card and issued a new one # XXXX. They assured me when the refund from the company came through it would go on my new card. They did not do that! When the refund came through on XX/XX/XXXX they refused it. I want my {$130.00}, they have been charging me interest on a fraudulent charge, so I want that back as well. I am a senior on a fixed income and can not be out {$130.00} for something I did not purchase or receive. When can I expect a result? 
Thank you, XXXX XXXX
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Markoff Law LLC (IL)

During XX/XX/2019 through XX/XX/2019 the company and I agreed on a court ordered document about the terms of the payment plan via email. This document has all the terms and amounts that were to be paid. It has been 3 years since this agreement has been signed and sent to the company for the Judge to honor. The company was recently contacted and they stated the debt owed is substantially more than what should be owed. What is currently owed is a little over XXXX dollars. This is appalling due to the fact that the original debt was only about XXXX and XXXX monthly payments have been made for the past 3 years. Per the company I did not sign the document and/or submit it to their possession, although there is proof that the document was signed and sent. Therefore, they added a 4 % interest rate to the debt owed without any communication or agreement. 

There is email proof that the document was requested on XX/XX/2019. The company sent the document on XX/XX/2019. The document was signed and emailed to the company 's representative in a timely fashion which was XX/XX/2019 before the court date on XX/XX/2019. There should be no interest rate applied since the document was signed and submitted into the possession of the company. The agreement they are imposing on myself is illegal and unethical by all means. I have tried to work with them numerous times to solve the problem and they instructed me to " seek counsel ''. 

I have asked for a full ledger of payments made, amount owed and where the money has went ( principal or interest ). They have yet to send it to myself and/or legal counsel. I will have those documents soon from them I believe, so once I receive them I can also give to you all as for further proof. I have attached the email thread ( s ) and court ordered contract/agreement that I signed and submitted to the company.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights.

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IL)

COMENITY HAD TAKEN OVER THE XXXX CREDIT CARD. NO COMMUNICATION INFORMATION OR ASSISTANCE IS AVAILABLE. THE RECORDED MESSAGE STATES THEIR OFFICES ARE CLOSED. AND THE CREDIT CARD WON'T PROCESS FOR AN AGREED 0 % INTEREST ON A CONTRACT AGREED TO IN PRIOR TO THEM TAKING OVER.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX  / {$550.00} / XX/XX/2021
Consumer complaint received 2022-01-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

I am currently homeless due to the erroneous information reported by SafeRent Solutions. They are reporting duplicate judgments against me on addresses from XXXX XXXX. I left an apartment complex in good standing. Not owing any balances and any judgments made against me ( due to late payments ) were dismissed. Basically I got this apartment in XXXX and lost my job 3 months later. I did my best to pay even if it was late. It was paid! Automatically a judgment is placed against you for not paying by the XXXX of the month? But as soon as you pay it? It should be dismissed. And it was. 

SafeRent Solutions has cost me hundreds of dollars in denied application fees and the fact that I am living out of my car for no reason at all! Per their reporting I have XXXX default judgements against me that the XXXX XXXX XXXX have no record of. I have provided them with a ledger from the apartment complex proving all balances were satisfied. The apartment complex cant provided me with any court documents because this was 5 years ago. They have switched property management several times and they dont keep records after so many years. SafeRent Solutions is telling me that I need court records proving that the judgements were dismissed but there is no case to dismiss it! No one can pull the cases online. No one can pull the cases on paper! As Im being bounced around to call this person and the next? Im homeless and being sent in circles because of them reporting repetitive, old, and incorrect information! They have my entire profile WRONG! Even down to employment! I am a working XXXX mother of XXXX children who cant provide a place to live because of them! This has been an extremely frustrating situation and I dont deserve this kind of treatment! You have the proof. Remove it!
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (MS)

In accordance with the fair credit reporting act XXXX account Audi Financial account number 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 instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (FL)

KIA Finance. I am a lessee. I moved from XXXX to XXXX in XXXX and notified my insurer before I moved on XX/XX/XXXX and contacted KIA to transfer the title to XXXX  so I could register the car in XXXX. XXXX DMV received the title on XX/XX/XXXX and I registered the car that same date. KIA Finance paid XXXX for XXXX sales tax that was due for the year beginning XX/XX/XXXX but I was already living in XXXX, thus no sales tax was due. Before I even moved to XXXX  I notified the Sales Tax Assessor in XXXX, XXXX that I was no longer living in XXXX  and she gave me her name and email and told me to email her once my car was registered in XXXX and she would refund KIA the sales taxes erroneously paid by them. My monthly KIA car payments are automatically deducted from my bank account and they are up to date. But everyday a KIA finance agent calls me to pay them the XXXX  sales taxes of {$280.00}. Ive spoken to 5 people from KIA in the last 3 days, two of which hung up on me when I explain this isnt my debt. Today their collection agent claimed that I was late on my car payment because she said they switched my car payment to apply to XXXX sales taxes and it will go on my credit report as not having paid my car payment. She said they were allowed to apply the money paid to my car payment any way they wanted. I am spending hundreds of dollars overnighting mail to KIA and the State of XXXX only to have 2 KIA agents tell me they will destroy my credit unless I pay this money owed because KIA will not ask XXXX for a refund - implying it is easier to harass their customers to XXXX  instead.
Consumer complaint received 2022-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OR)

XX/XX/2022 received email as a response from contacting US Dept of Education with a pdf file that I can not open. Also stated that I need to answer a question. Chat agent closed my chat after I waited for 29 minutes. Made 2 calls to Aidvantage. Left 2 messages. Calls not returned. Unable to login to their websight.
Consumer complaint received 2023-10-20
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: Sentry Credit, Inc. (CA)

I have contacted Sentry Credit Inc and have asked for them to provide me with the Purchase agreement of the alleged debt between me and " XXXX  XXXX '' they responded back with a lease agreement between me and " XXXX XXXXXXXX ''. Upon reviewing of the Lease Agreement " XXXX XXXX XXXX '' is named no where in the contract between me and " XXXX XXXXXXXX '' I have asked them to validate this debt and furnish the purchase agreement of the debt from " XXXX XXXXXXXX '' and the company has failed to do so in a timely manner. Further more the company is in violation of multiple TCPA violation 's and I am speaking to council on filing a class action lawsuit against them if my matter is not resolved.
Consumer complaint received 2022-05-05
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. (NV)

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have multiple inquiries on my Experian account that I did not do can u please remove these off my file they has cause pain in suffering to me these are the inquiries 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
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have already opened XXXX disputes about an open Credit Card account with Bank of America which I have no knowledge of and in my credit report someone elses name appears which is similar to mine. The information is incorrect and I should not have that credit card in my credit report. I have set a dispute for no knowledge of the account and a dispute for a similar name from which both got dismissed with no change to my report.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Consumer complaint received 2022-06-24
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. (OH)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights.

16 U.S.C 1681 section 602 A. States | have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
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: CARRINGTON MORTGAGE SERVICES, LLC (LA)

On XX/XX/2022, as stated by creditor ( Carrington Mortgage Services ) in document attached, received an inquiry on my behalf. I sent this inquiry to Carrington Mortgage on behalf of Account number XXXX, which is my current account with them. As I reviewed my consumer report Ive noticed that there are more than 37 violations on the said report. I also noticed that there are late payments reported on the report as well. The letter was to inform them that they were in violation of law 15USC1681a 2 ( A ) i. Also attached to the inquiry was a copy of my Drivers License, Social Security Card, and proof of address for verification. 

This company as mentioned in the inquiry is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also 15USC166B states a creditor may NOT treat a payment on a credit card account under an OPEN end consumer plan as LATE for ANY PURPOSES. 

Both of these are violations along with the improper reporting that shows over 37 violations across three major bureaus. This is a violation of 15USC1681 section 623.
Consumer complaint received 2022-06-24
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: Southwest Recovery Services, Inc. (RI)

What I thought was very old debt is wrong. The company that is reporting money not owed is from XXXX. That report is also false. The debt incurred is from a credit card receiving company that baited and switched their contract. I only did transactions using my own debit card to test their system and found flaws. They said it was a charge of XXXX XXXX  for each transaction with no monthly fee. That is where they lied. They charged me a monthly fee and I cancelled that account right away. I never received any emails or calls inquiring about that account after that. This is a new scam where they tell you there is no monthly fee and then just send it to a collection company, so it shows up on your credit report. As stated, I only did a few transactions using my own debit card. No other transactions were done from any other source.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.