davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
DISCOVER BANK:XXXX Amount {$200.00} A fraudulent account.
Consumer complaint received 2020-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc. (WI)

I requested two " instacash '' advances totalling {$75.00}, which they show depositing on XX/XX/XXXX with a repayment date of XX/XX/XXXX. 

I never received the funds. I emailed to two different addresses on XX/XX/XXXX and received no response. I did an online chat on XX/XX/XXXX and was told I would need to send 45 days worth of bank statement to prove funds were never received. This means they are going to process a repayment for funds never received until I can provide a bank statement at the end of XXXX. 

I asked them to cancel the repayment but they refused without 45 days worth of bank statements.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (NC)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2022, I called my credit union BECU and asked for the dispute of {$100.00} and some cents against my credit card but then they transfer me to their XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with an XXXX lady in XXXX and she said maybe it takes 30 days for the result & we will let you know about the result. As it passed over XXXX and XXXX months and I didnt hear from them, I called again to BECU and they transfer me to XXXX again. 
After I told XXXX that I m following up with my dispute, the line was dropped and none return my call. 
Again I called directly to XXXX and they told me we knew you called on XX/XX/XXXX but it seems no follow-up with your dispute then your request is gone from our system and you need to do it again. I told her how that was possible and that I need talk with your supervisor as this is the second time your company ignoring my dispute request. She said our supervisor just can call you back between XXXX hours and they are not available. 
Again, none called me and none care about this dispute. 
I called last week to BECU and the customer service start giving me some excuses. I asked him to connect me to his supervisor. Then She told me quickly we are not responsible for our third parties and you need to follow up with them and we can not do anything for you. This is between you and them. I can not believe how great BECU and their uncared and irresponsible third parties are! My dispute was ignored again and none of these to XXXX did anything for that. 
A couple of years ago, I was disputed an amount over {$260.00} and BECU and XXXX didnt care about disputes and each one passed me to another one. It was taken over XXXX and half years with my follow up but none of them did any effect on my dispute request which was my right and I didnt use the service of that organization.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (GA)

I am writing to formally dispute the continued reporting of a charge-off account by XXXX XXXX XXXX on my credit report. This account has been fully paid off, yet it is still listed as an outstanding charge-off, which inaccurately affects my credit profile. 

I believe this is an error, as I fulfilled my financial obligation and cleared this debt in full. Additionally, I ask the CFPB to facilitate the resolution of this matter to ensure the accuracy of my credit report. Please let me know if any further documentation is required to support my case.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (IN)

After being unable to get my annual free credit report online, I was instructed by Equifax to copy my driver 's license and social security card along with a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This letter including the aforementioned documentation was produced on XX/XX/21 and mailed via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21 with a return receipt green card. I subsequently received a letter from Equifax Information Services, LLC requesting the exact same information AGAIN along with their enclosed letter. There was a telephone number enclosed XXXX XXXX XXXX XXXX which turned out to be some sort of non-related sales business. Equifax seems to be attempting to make it as difficult as possible to correct the damaging information contained within their files thereby causing me injury as a consumer. There are laws clearly written to stop this behavior, and I would like to know how to prompt them into compliance or how to file a law suit against this company.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (TX)

XXXX Visa card said that I was 30 days late and STILL late on a payment. I have showed proof of payments etc., and Experian will not help. They do an investigation and I get an email 4 hours later that the investigation is complete.. I highly doubt that. There is no infrastructure to XXXX Visa, so trying to talk to customer service is speaking in a foreign language. Experian does absolutely nothing to help and XXXX Visa will XXXX up your credit. I lost my job due to the pandemic, yet I still paid. Thats more than I can say for what most people did to take advantage of the situation.
Consumer complaint received 2020-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires.

I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger.

Can we possibly prove them wrong??
Consumer complaint received 2020-11-20
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: ProCollect, Inc. (CA)

In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In the months of XXXX, and XXXX in the year of 2020 I've sent Equifax two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website myequifax. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have an account with PayPal which since has been closed and they have been holding the funds for they say 180 days in case they have to cover anything. The account has {$180.00} and is under my email of XXXX I am going through and have been going thru, terrible ID theft and computer hacking. One of the accounts or companies in general was PayPal we are multiple accounts of mine were close by PayPal due to suspicious activity and I was never given any explanation as to why and left to pay balances on transactions I submitted to them as being on authorized. This particular account has {$180.00} in it and I have waited the 180 days and it is impossible to get a hold of anyone or get any information on this funds. I have a separate account as well with about {$400.00} and empathy I have erased the transaction history
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WI)

On Thursday XX/XX/2020 at XXXX me and my freind XXXX XXXX both of XXXX  exchanged XXXX a piece In cash for two online ordered gift cards. Truth is we were scamed. We went to XXXX in early XXXX and there cash registers declined a purchase and the said with card wasn't activated or was invalid. We called my vanilla card customer services and they started a ticket in both both there getting errors and invalid on both cards we contacted ecpd In XXXX XXXX wi. There on there way to assist us in getting the cash back I'd it's not spent already. Wanted cfpd to be aware of this.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Value : XXXX Date : XX/XX/XXXX Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX I don't know this collection. Someone used some of my personal information to pay for a rented apartment in XXXX, Texas, I have never lived in the city of XXXX or lent my name to someone who lives there. this account is identity theft.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

Mrs. XXXX XXXX steel the information of my 3 credit cards, Chase Freedom XXXX XXXX  XXXX XXXX, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the chase freedom for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the XXXX XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from her checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?
Consumer complaint received 2020-11-20
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: Exeter Finance, LLC. (IA)

I have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
Consumer complaint received 2020-11-20
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: Americas Car-Mart, Inc. (IA)

I have reached out to XXXX on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are Colonial Auto Finance & XXXX XXXX XXXX Colonial Auto Finance is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

XXXX XXXX XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a XXXX as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON XXXX AND ACCOUNT # XXXX EQUIFAX. 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.
Consumer complaint received 2020-11-13
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: FORD MOTOR CREDIT CO. (CA)

On XX/XX/2020, XXXX/FORD MOTOR CREDIT add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (PA)

XXXX  in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

15 USC 1692b ( a ) ( 2 ) XXXX XXXX was never written consent by me to report any of my information to the credit bureau 2. 15 USC 1692d ( 1 ) XXXX XXXX has harassed the physical person damaged my reputation and stole my property. 
3. 15 USC 6802 ( b ) ( 1 ) ( a ) I was never given a clear and conspicuously disclosure that such information may be disclosed to a third party.

4. 15 USC 80a-33 XXXX XXXX has willfully mutilated my account XXXX  and Equifax are both in violation of 15 USC 1692b ( a ) ( 2 ) I never gave written consent for them to report any of my information
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (AZ)

VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then VAnce and Huffman has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!