davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Asset Services, LLC (GA)

I had an account with XXXX charge off in XXXX. It was for XXXX XXXX, acct # XXXX. I paid this account off in XXXX with Frontier Financial, and will attach a copy of my letter showing the debt was satisfied. To this very day, me, my husband and my parents will get calls from collectors about this same debt. I have attempted to contact Frontier, but it appears they went out of business several years ago. The people calling to collect always give random company names that are never the same. This item has long since fallen off my credit report so I know the debt is not legit, but these calls are embarrassing and cause me a lot of mental anguish. How can I make these calls stop??
Consumer complaint received 2022-01-13
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. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

We called our mortgage company ( lakeview loan service ) on XX/XX/XXXX to change the date of our mortgage to the XXXX of XXXX instead of the XXXX. I was assisted by a women who change it over for me. On the XXXX of XXXX my mortgage of {$1600.00} came out of my account because of the holiday. Then another {$1600.00} on the XXXX which is the day i wanted it out. Now my bank account has been negative for the past 8 days. When i called and spoke to a superviser at lake view he told me that this suituation was the completely the fault of the women who assisted me. He told me all He could do for me was refund my money back which would take 3 business days ( wednesday the XXXX ) and come into my account. Now it's the XXXX business day ( Thursday the XXXX ) i call the company again and they tell me it was sent by Mail and I wouldnt receive it for XXXX days from the date it was sent which is the XXXX. When I asked to speak with a manager they put in a request and said it would take 24-48 hours until they would contact me.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (CT)

Currently Honda Financial Services only accepts purchase from Honda and Acura Dealers. This practice creates a disadvantage for me as a customer since the Honda and Acura dealers will offer disadvantageous terms in the loan used to repurchase the car. 
I would like to sell the car to XXXX, which is a car dealer, and has a reputable history of operations. This will allow me to collect higher resale price. Honda Financial Services stated that they will NOT accept a check from XXXX and that the title can not released. 

I asked how long I would have the title released so I can resell to XXXX, HFS will only release and provide the title in 3 or 4 months!!! 

This situation is exploitative since the shortage of used cars in the market and XXXX intent do collect benefits to their Honda Dealers.
Consumer complaint received 2024-10-25
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. (GA)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-05-30
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX 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.
Consumer complaint received 2022-01-13
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: Bull City Financial Solutions, Inc (NC)

Company is a debt collector that initially had no record of me, my name, my address or phone number, but had a collection on my report. I sent a letter requesting information, which is attached. Absolutely no response. I feel they are violating my XXXX rights by reporting inaccurate information which I did not authorize.
Consumer complaint received 2022-05-05
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. (MI)

Hi I am submitting this XXXX XXXX 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 XXXX 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.
Consumer complaint received 2022-04-12
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)

On XX/XX/XXXX, XXXX XXXX incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with XXXX as well as the XXXX major credit bureaus. As a result, XXXX financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all XXXX bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both Experian and XXXX removed the inaccuracy from XXXX XXXX. 

However, Experian did not remove the inaccuracy.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AP)

I am a military member stationed overseas ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living overseas, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told overseas addresses are blocked from their system and there is no way for me to access my information while living overseas. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while stationed overseas.
Consumer complaint received 2022-05-30
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 XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 2023-07-22
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: EQUIFAX, INC. (CA)

YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXor 5 years this has always been my residence. I have never had an account with XXXXXXXX XXXX XXXX {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I received an alert from the credit monitoring company called myFico stating that Equifax had posted XXXX hard inquiries on my credit report. The hard inquiries were from : 1 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 2 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 3 ) XXXX XXXX XXXX  XXXX posted on my credit report on XX/XX/2022 Upon seeing these unauthorized inquiries on my credit report, I contacted Equifax. The Equifax representative I spoke with advised me to send a written dispute to Equifax with my ID. I adhered to his advice and sent the documents. 

When I called, to inquire about the status of my disputes, I was told I had to wait ten business days. After 10 business days I called Equifax, I was told to send an affidavit. I drafted and sent a notarized affidavit. Equifax confirmed they received the documents and requested that I needed to send an FTC affidavit which I have included in this report. 
This matter remains unresolved, and Equifax has not taken the necessary steps to restore my reputation. When I called Equifax, they referred me to the companies ( XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ) When I contacted Bank XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding these inquiries, none of these companies had any documentation to suggest that I had either applied for a loan or credit card on XX/XX/2022 or XX/XX/2022. I have offered to schedule a conference call between these companies XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) and Equifax. Thus far Equifax has been uncooperative. 

These inaccuracies continue to damage my reputation with employers and creditors. It is also worth noting that of the XXXX ( XXXX, XXXX, and Equifax ) credit reporting agencies only Equifax has these inquiries listed on my credit report. I hope this matter gets resolved as soon as possible. PLEASE HELP ME.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
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. (FL)

I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2022-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I found a collections account for Portfolio Recovery while checking my XXXX XXXX on XX/XX/XXXX that was opened XX/XX/XXXX. ( See attached ) I have not had any contact with this company prior to this. 

I called Portfolio Recovery on XX/XX/XXXX inquiring about the alleged debt. I was told they could not locate my account. I demanded the damaging credit report account be removed immediately. I was hung up on. After several days, I emailed a Portfolio Recovery on XX/XX/XXXX, again demanding validation of debt ( see attached ). This email was ignored and never answered. I went to Portfolio Recovery website and clicked their chat tab and was directed to a live agent. I copy and pasted the content of my previous email ( see attached ) into the chat window and included my full legal name and address. I was again told there was no account under my name. ( See attached ). I demanded the account be removed from my credit report. I was told to call the same number I called prior, then the agent immediately left the chat. 

Portfolio Recovery has been damaging my credit for the past 1 year 5 months and refuses to remove their damaging credit collections account from my credit, despite admitting to having NO accounts with my name.
Consumer complaint received 2024-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion - I have been trying to get my Credit report from TransUnion as I saw an error on it at another Reporting Agency. I was able through to get the other Agencies and correct the error at the other two Agencies. During the past two months I have tried to access my report online at TransUnion.com, I have tried to engage the online help chat on the TransUnion website, I have called toll free help number. My credit report in unavailable on the website. The chat is a circle of frustration. I have been hung up on twice when I call the toll free number. None of the information they have on me is correct and I can not seem to communicate with the company through any of their recommended channels. This is inordinately frustrating.
Consumer complaint received 2022-05-05
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. (AL)

Hi I am submitting this XXXX 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 719tXXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.