davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IA)

My partner and I have both contacted Pro Collect in amount of {$470.00} located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX attempting to Collect for XXXX Apartments. We left our unit clean and got an excellent report from XXXX XXXX. They kept our deposit for a stain on the 5 year old bedroom carpet. Within 30 days of move out we contacted the rental office and they had no video or physical sample of carpet replacement so we disputed the original deposit not being refunded. The debt was placed to a first agency and disputed and now another agency. We reported Pro Collect to Attorney General of Iowa and Pro Collect failed to respond to then timely. In addition Pro Collect is not licensed to conduct business in Iowa We dispute this debt and the collection of such. Please advise us of legal recourse we have to litigate and remove from our credit reports.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

well on the XXXX credit card and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

well on the XXXX credit card  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Consumer complaint received 2022-12-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (OH)

XXXX XXXX taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXX reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX XXXX 
Fraud alerts and reports were applied for at XXXX, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with Upgrade to remove this loan but until now to no avail.

Then Upgrade sold this fraud loan to a collection agency XXXX XXXX XXXX without any resolution, and I am still providing information to Upgrade. 
Please help
Consumer complaint received 2023-01-23
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: DISCOVER BANK (CA)

Unfortunately, I am a victim of identity theft as a result of a data breach. When I learned of this, I began reaching out to the institutions and banks reflected on my credit report, all of which I have no affiliation with outside of the fact that my information was fraudulently used to open up a plethora of accounts under my name. I have been successful in the process of disputing these accounts and outstanding balances with XXXX out of XXXX accounts, which have since been removed from my credit report as a result of my actions and efforts to prove that I was not the individual involved in opening the accounts. However, I have been in the process of disputing credit with DISCOVER BANK, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 and have yet to have my case resolved with these agencies. With Discover Bank specifically, I have submitted copies of police reports, an FTC report, proof of identification and personal statements, and have expressed my frustration with their lack of attention and ability to identify my account activity as fraud, yet they continue to write back to me saying that " unless I have new or relevant information to support my claim, '' they can not move forward with my dispute. I feel this is unfair on their part, I have taken all actions and have provided all documents necessary yet they sustain that nothing more can be done. As for the XXXX other entities, they have approved my dispute and XXXX calendar days have passed since their approval yet the derogatory information still appears on my credit report. I feel that I have taken every step possible in moving forward and I no longer know what to do to restore my credit.
Consumer complaint received 2021-09-27
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. (TN)

On approximately XX/XX/2021 I called EQUIFAX due to seeing some creditors on my consumer credit report, that should not be on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the accounts had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not properly justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( a ). I initially reached out to EQUIFAX on XX/XX/2021 and there has been no further communications.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am making a final goodwill attempt to have you clear up this matter with EQUIFAX Due to the covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want to be removed because I'm a victim of covid-19 and legally you should not have put them there.

Failure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent.

The following account ( s ) is/are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21
Consumer complaint received 2022-01-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (WI)

I declared XXXX  XXXX bankruptcy in XX/XX/2021 and all my debts were discharged XX/XX/2021. It was determined that Firstmark ( who bought a private student loan from XXXX XXXX ) was discharged, because it is a private student loan that was not used for tuition. No credit counseling, entry or exit, was done prior to giving the loan, which is a violation of federal law. Also there is no instrument of original indebtedness and Firstmark could not provide evidence any contractual obligation to pay, that bears my name and signature. I repeatedly informed Firstmark that the debt was discharged and to please verify the debt, provide evidence of contractual obligation to pay, and proof of credit counseling. They threatened me stating they would report me to credit bureaus if I did not pay them {$50.00} minimum payment. I caved to their illegal activity to protect my credit and paid the {$50.00}. They proceeded to defame me with the credit bureaus, tanking my score by over 90 points. I contacted them to correct this and they refused.

Please help me resolve this situation. Firstmark is nightmarish and negatively impacting my quality of life.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX XXXX balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX and XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Consumer complaint received 2022-01-04
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: CITIBANK, N.A. (GA)

1.In XXXX XXXX. 2012, I was trying to pay the diesel purchase in XXXX gas station when I traveled in state ( GA ), the transaction was declined. 

2.I call the customer service for resolution immediately, and follow up their instruction for verification.

3.the representative misstep the processing and put my account on hold, to getting me to wait 7-10 business days for a letter for verification.

4.during the phone call the representative hang up the phone 2 times with bad manner.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (TX)

on XX/XX/XXXX I applued to XXXX XXXX in the attempt of builing my credit .The adverse action I was denied accordibg to correspondance from XXXX XXXX .no credit report found. Reporting agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX When i attempt to request my report. It has not ever alliowed me onlune when I attempt to call a request it want sll my idendification. 
With agressive I D theft and all credit agency have alrered comprimiswd my identuty. My attempt tovretrive mu user name its incorrect ( the email gave me user XXXXXXXX XXXX XXXX XXXX  when I updated it almost a year ago to XXXX XXXXthe last credit report I was able to hiew was XX/XX/XXXX based on coass action im supposed to receive credit wors I do not. And now it says Sorry your credit report can not be viewes because the details may be inncorrect XXXX.7 years later And i still receive the same answer. Nothing from XXXX my allegatuon they are organized with colkar crimes i have reports from XXXX and all tge frayd on all three reoorts
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Received a consumer report from with several violations by Equifax, dated XX/XX/22 as abusive, unfair, deceptive. This unauthorized action of furnishers/debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Equifax, a consumer reporting agency for which the report is disputed. 

The report has impacted adversely impacted me negatively in 1692 ( a ) ( 1 ). 

I am submitting this complaint following several unverified investigations. There is false, deceptive, inaccurate and unauthorized information that appears on my Equifax consumer report and instruct Equifax to delete my personal data, negative information and circled account information referenced Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) as I revoke the consent and direct Equifax to cease and desist, as right to opt out, unauthorized use of personal information and injurious negative information as compliance to 15 U.S.C. 1681b ( a ) ( 2 ) within 48 hours.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX and XX/XX/XXXX I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

I wrote a check to a contractor in early XXXX. The check was mailed. The contractor reached out to me because he hadnt received payment ; but when I checked my account the check had cleared. 
The person whose name was on the endorsement is not an employee of the contractor. The endorsed name is not the name that was written on the payable to line. The bank that was used is not my bank nor my contractors bank. 
I filled a report with my bank ( Chase ). They initiated a claim. It has been 120 days and I have heard nothing. The depositing bank is XXXX  XXXX XXXX and they refuse to talk to me. 
Chase Bank has not credited the check amount back to me. Chase Bank can not give me a timeline for reparation nor can they tell me where the investigation is.
Consumer complaint received 2022-10-19
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: CITIBANK, N.A. (TX)

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay  for Deletion for this account that isn't even mine.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I looked through each of those accounts and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts in my name using my personal information. I did not benefit anything from those accounts and I did not make any payments towards any of these accounts. I don't know who opened these accounts without my permission so I reported it to the police as well as the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX I attempted to get a XXXX increase line of credit on my Capitol One Visa Card. 
I have a XXXX limit. My pet is having XXXX and the cost is over XXXX. I own my home outright and my XXXX  XXXX XXXX vehicle. My credit score is in the XXXX mark and has been for over a decade. I have no outstanding debts. I am retired on a monthly XXXX pension after taxes. On XXXX I ran up a XXXX charge on the capitol One card and paid off the entire amount within 12 days of making the charge. 
I tried online for a credit increase and was offered only XXXX. I called the credit card company but was told there was nothing they could do for me. 
This is unacceptable.
Consumer complaint received 2023-06-23
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. (SC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00}
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (FL)

My wife and I traded in two vehicles at lease termination and leased a new XXXX XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX, FL. Incredibly, the salesperson neglected to pay off either of the two vehicles. Hyundai Motor Finance, the lender, started making robo calls about the payment was late. When we called, we were assured the payments were up to date. We discovered the problem when a payoff letter was sent that had late fees on the XXXX XXXX and two payments remaining. The dealership admitted their error and finally corrected the credit reporting issue on that vehicle. 
The second vehicle, a Hyundai XXXX, was paid off in XX/XX/2020. Then, the account was found to have late fees of {$190.00}. Hyundai Motor Finance reported us 30 and then 60 days late on a PAID OFF loan. I paid the late fees when notified in XX/XX/2020 ; however, at that point the dealership should have taken responsibility for not including all fees in the payoff and not passed that charge on to the customer. 
This is for a customer who has a nine year history with the dealership and finance company. Now, 18 months after the fact, we are refinancing and the two late payments are affecting our ability to get a low interest rate. Repeated attempts to get the dealership to provide a letter stating the facts and how the error was their fault have gone unanswered. I have the original documentation to prove this but the credit bureaus want the creditor to verify the account history.
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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