davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (WI)

In XXXX, my husband and I took out a line of credit with Fortiva Retail Credit through XXXX XXXX in XXXX XXXX, WI. We purchased furniture on the line of credit and were advised an annual fee of {$49.00} would be charged if we didn't cancel the financing after the purchase was paid off. 

We opted to keep it open just in case we wanted to finance additional purchases, but never used it. In XXXX, we received a bill for the expected {$49.00}. The terms indicate I could pay a minimum of {$30.00} and pay off the balance in XXXX months, but if I was late I could be charged up to {$41.00} in late fees. I mistakenly wrote the due date down wrong and did not pay it on XX/XX/XXXX as required. On XX/XX/XXXX I received a text message indicating the payment was late and a link to make the payment. When I went to the site, it didn't tell me the balance, only offered to pay via check or debit card. The charge was actually {$60.00}, not {$49.00} and there was no itemization. I assumed this meant my late fee was a reasonable {$11.00} and the balance was paid. This was because they took {$60.00}. 

Please Note : If Fortiva was taking the full late fee plus minimum payment, the charge would have been {$71.00} ; if they were taking the full balance plus the full late fee, the charge would have been {$90.00}. 

This morning, I received a call from Fortiva claiming I owed {$20.00} and could settle the full balance by phone. I explained this can not be correct because in no scenario would my balance be {$20.00}. It should be {$0.00}, but even if the {$60.00} had been the minimum payment of {$30.00} ( not paying in full as I thought ), that would have left me with a balance of {$19.00}, not {$20.00}. I proceeded to tell the man to cancel my line of credit. After the call I produced written requests to cancel to be sent to the correspondence and corporate offices. 

During the day I received two ( 2 ) more emails asking for a payment of {$60.00} and a payment of {$30.00}.

I have emailed the cancellation letter to Fortiva and informed them of my assertion that they are violating FDCPA regulations and to discontinue the collection attempts, as well as sending me proof the account was cancelled. 

Please contact me at ( XXXX ) XXXX or XXXX It is worth noting that I work in a law firm and have practiced consumer law for several years. I do not expect inequitable relief.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-07-21
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. (TX)

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX and XX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Pentagon Federal Credit Union Attn : Customer Relations Department XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX Credit Bureau. I have circled the items I dispute on the attached copy of my credit report ( s ). 

The items listed below, are in question and do not belong to me. I sent you a response on XXXX XX/XX/XXXX ; however, you failed to respond. This correspondence was received on XXXX XX/XX/XXXX by your office, USPS Certified mail confirmed delivery on XXXX XX/XX/XXXX. Tracking : XXXX. 

Because Youve failed to address these concerns, I am demanding removal of these items Under Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) I have requested documentation of the Method of Verification ( MOV ) and this information has not been provided either. ON or about XXXX XX/XX/XXXX, you responded to this last request for MOV, but failed to provide me with the substantiating records. 

The Rationale behind the removal request ( s ) is that each item marked below contains information referencing a XXXX XXXX Bankruptcy filing. However, no such record exists on my XXXX Credit File. Accordingly, this inaccurate reporting misrepresents my credit file, and can not be validated and must be removed. I am also attaching an FTC Identity THEFT report accordingly the items listed below need to be removed immediately. From my file. 

1. Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 

2. T Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Inaccurate/Misleading Account Information being reported PENTAGON FCU Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Inaccurate/Misleading Account Information being reported 5. 
PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 


XXXX. Unauthorized Credit Inquiry PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 


Please remove it from my credit report. 
During the times in which your firm reports this accounts as either being opened or filed, I was incarcerated and not able to have established these accounts. I am attaching a letter of incarceration to substantiate my claim. Please remove these items immediately from my file. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Last 4 of social : XXXX Enclosures : As Stated
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, XXXX and Transunion. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian po box XXXX XXXX, XXXX XXXXXXXX XXXX on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
XXXX Date : XX/XX/XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (CA)

I have been receiving phone calls from Lewis , McDonnell & Associates claiming that I will be served court papers for an alleged civil case involving a very old, paid debt from a furniture store that has closed down. No lawyer has spoken to me regarding this alleged case, their proof of debt is in an email and refuse to send in a mailed letter with their address and the amount due. On the phone I have been belittled and been called " clueless '' regarding this case. Not only have they been bombarding me with calls, they have been calling other people involving my " debt '' telling them that they will be served if I do no respond or pay. They have recently added this collection on to my credit without proper written notification of alleged debt. These tactics are in violation of the Fair Debt Collection Practices Act and demand that something is done regarding this debtor.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

For the past 2 months, I have been writing letters to all 3 bureaus Equifax, XXXX and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Consumer complaint received 2020-05-21
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: TD BANK US HOLDING COMPANY (CO)

I settled a debt reported on Credit report with Nordstroms through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because Nordstroms and the credit agencies refuse to update the information. I have contracted Nordstroms, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and XXXX  have both denied my disputes and refused to update my information.
Consumer complaint received 2023-02-15
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. (MS)

I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XXXX XX/XX/21 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

We made a transfer to your spending account XXXX XXXX, We made a transfer from your brokerage account to your spending account to resolve an issue with your account. Please note that this doesnt happen often and were sorry for the inconvenience. If youd like more information, please contact Robinhood XXXX. 
Here are the details of the transfer Amount : {$5300.00} From : Brokerage account To : Spending account Date completed : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not know these people who they are or what they want. My debts are all paid or on time and the one which someone ran up without my permisssion and i decided to settle it. It had has been settled byXXXX as of XXXX 2023. I have gotten a phone call that I answered and they wanted a relative ( niece ) who I do not have contact with. I have no outstanding debts that are late or any negative debts.
Consumer complaint received 2022-07-21
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. (TX)

id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I settled a debt reported on Credit report with XXXX   through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and Equifax have both denied my disputes and refused to update my information.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (MD)

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 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 XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

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 XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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 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 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OR)

On XX/XX/22 I disputed the amounts from National Credit Adjuster {$310.00}, {$310.00}, {$1200.00}, {$1200.00} with XXXX, XXXX and XXXX. I requested validation under the Fair Collection Practice Act that they claim I owe. Provide me a signed copy, bearing my signature, on the original contract or delete. 15 U.S.C Sec 1681 ( a ), I heard that if you cant provide proof, these accounts must be deleted. On XX/XX/22 contacted National Credit Adjuster requesting the same document mentioned in the above email. On XX/XX/22 A representative from National Credit Adjuster sent an email requesting amounts, account number and last 4 of my social security number. I have heard no resolution thus far. The accounts are still showing in collections on my credit report with XXXX, XXXX and XXXX.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations