davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: FactorTrust, Inc. (CA)

On or about XX/XX/21 I submitted a request for XXXX XXXX XXXX XXXX to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-18
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. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2022-07-18
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. (NY)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-18
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. (OK)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$1800.00} XXXXL XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (NY)

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

15 U.S.C 1681 section 602 A. States I have my rights 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 2020-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

on XX/XX/, i applyed for a XXXX XXXX credit card to pay for my transmission, i was aproved. Equifax, XXXX, XXXX, doct me 62 points. 
i have no other credit cards. 
XXXX, the credit card sent me my first payment, the credit ajency, doct me 90points!!!!!!!!. i was already penalized for the card already. 
i have paid on time, all personal banks loans on time. i have one payment left on a loan in XXXX. i have not over exstendted my credit and have a 3 year clean excellent payment record. i am tired of them messing with my credit and my person. XXXX the credit brueu, doct me 43 points for a hard pull from XXXX. the person who did this, did the pull without my permission. 
i sent names dates, and proof. certfied receipt, filed a dispute, they never answered my dipute, nore salved the problem. its been on my credit. its supose to come off XXXX, i have indured there ilegal non regulated actions aginst me long ENOUGH i want them to stop hurting my credit efforts and hard work. they have unfairly removed un reasonable points from me, and twice for the same thing. 
THIS IS A FORMAL COMPLAINT, AND I WANT THEM HELD ACCOUNTABLE NOW.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NJ)

I voluntarily surrendered my vehicle on XX/XX/2020 after being out of work since the pandemic on XX/XX/2020. I was provided misinformation on how to surrender the vehicle, then they didn't pic it up when they said they would after i volunteered to drop it off because I didn't want to be charged for it. Their rep XXXX XXXX told me I would not be charged for that they pay for it. It is attached to the fees on this letter i will update. I lodged a complaint with their corporate office I received 1 call no follow up. I am disputing all these fees especially when I am still not working and feel like I am being treated unfairly in a situation like we are currently in. I have filed numerous complaints against the company and they go unresolved. Also the letter in question says I will accrue interest until the date of the letter which I don't understand that when the vehicle has been in their possession since XX/XX/2020 but the surrender notice was signed on XX/XX/2020. I am being taken advantage of and it is not fair to me. You wrote off the account per my credit as closed charge off/ bad debt after adding a bogus late fee.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

It involves a debt collection of {$1500.00} on XXXX and XXXX by Ability Recovery Services XXXX. I sent a debt validation letter two times on XX/XX/2022 and XX/XX/2022 but both companies refused to validate the debt. This invalidated debt which is the only negative thing in my credit report is doing great harm to my public image. Please delete this information from my credit file and cease all collection activities. 

Here are my certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (LA)

XX/XX/2020, I recieved a call from XXXX XXXX of a debt, at the beginning of the conversation it was a foreign person, who also asked for my social security number. I hung up. They can not ask for that. XX/XX/XXXX shows up on my credit report, disputed, removed XX/XX/XXXX. Sequium gets this and also reports they have had this since XX/XX/XXXX. I contacted XXXX recieved a statement from both. I never recieved anything. I want this off my report. The collections name also changed a few times. I've had 4 diff companies on my report. I will attach the two letters from XXXX   one stating XXXX had it in XXXX and then removed from my report. The other is letter from XXXX sequim stating they have also had it since XXXX. 

Plus two other companies that claim to have it.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOME LENDING GROUP, LLC, THE (NV)

Due to close on loan XX/XX/XXXX. Finished final contingencies in loan for full approval XX/XX/XXXX. Signed docs and wired money in XX/XX/XXXX and XXXX {$110000.00} for down payment. Loan never funded XX/XX/XXXX blamed being short handed from Covid. Extended close to XX/XX/XXXX. My lender quit during this period. Contacted owner of lending company via texts and emails why I didnt close XX/XX/XXXX. Owner of The Home Lending Group, XXXX XXXX admitted via text his lines of credit were suspended two weeks earlier. Two weeks before my close he still had me go through approval process knowing he couldnt fund it! Contacted him daily until XX/XX/XXXX, I realized I had been defrauded and I started contacting attorneys about this situation. Scrambled to find new lenders to help me close in a timely fashion without the sellers backing out of deal! Meanwhile I made financial obligations to people in regards to work to be done once closed. There are many others that lost their homes due to not being funded. Lenders never got paid. People displaced/homeless!! Some of the evidence provided are from the texts XXXX sent to my realtor XXXX.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I contacted this company numerous times to try and understand the debt. I have three different reports from the same company and seems to be the same debt with different amounts. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous and sick, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (GA)

Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.
Consumer complaint received 2022-07-18
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A. 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 2021-08-29
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX, by invitation of XXXX XXXX to his new place, XXXX XXXX, my Citibank Visa card slid out of my XXXX case. XXXX XXXX, accessed it. He charged me {$2700.00} for lenses and frames that I DID NOT authorize. I never saw him swipe my card. I did not sign for any purchase, was not given a receipt, and was not even aware of the charge until later on. He ONLY gave me a pink copy ( # XXXX ) from his pad noting frames of interest for the future. A serious medical condition precludes my getting a prescription and we discussed this. 

On XX/XX/XXXX I notified Citibank of the fraud. Citibank refused to remove the false charge and contacted the XXXX. The XXXX reworked the # XXXX copy he had into a FORGED authorization, sent to Citibank, purporting to have my signature for order and receipt of glasses. Every Citibank lower level compliance person saw that it was obviously a fraud and kept extending the open complaint. Then a high manager, no name, called and told me to go away and stop bothering them and they didnt care what I showed or said, they are going with the merchant. 

The amount on this pink # XXXX that he gave to Citi says {$1400.00} NOT {$2700.00}. It is full of phony prescription info that may be from XXXX XXXX  glasses bought in XXXX at his previous location before he went bankrupt and closed. He returned to XXXX in XXXX. Citi also sent me a SWIPED credit card copy that has no info on it except a tiny forged signature purportedly of mine for {$2700.00}! I obviously never had that. 

Citibank accepted the forgery as " proof '' that I authorized the purchase for {$2700.00}. They refused to remove the false charge. I resisted paying this abomination and went to the local police who agreed with me but did not pursue the casetoo busy they said. I could not pursue this in small claims court because of the Covid-19 plague. The lawyer we contacted wanted too much in fees. I have full documentation to submit to the CFPB if necessary, and my police report.. 

Citibank then lowered my credit rating from XXXX to XXXX and I had to pay the money to avoid further damage to my credit. The XXXX  stole this money BUT Citibank allowed it by not reversing the false charge even though I gave them proof of the forgery!
Consumer complaint received 2020-07-23
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 — Investigation took more than 30 days
Company: BERKSHIRE HILLS BANCORP, INC (MA)

I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for 4months I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be Fine and pmts would not be late
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (GA)

Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.