davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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. (NY)

Im submitting this complaint against Equifax, andXX/XX/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 2021-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX Citi Bank closed 3 bank accounts associated with my name stating that it was fraud activity on the accounts and they would send something in the mail with in 30 days. After 30 days I called back and they hung up on me multiple times and refused to talk to me. One of my accounts have actively {$22000.00}. It is now XX/XX/XXXX I have not received any notification about the status of my accounts and when I will be receiving the money in them.
Consumer complaint received 2021-03-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, TransUnion and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity IQ subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
Consumer complaint received 2021-03-23
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: WAKEFIELD & ASSOCIATES, INC. (OH)

THIS COMPANY HAS BEEN CAUGHT PUTTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT BEFORE! AND HERE THEY GO AGAIN! THEY DID NOT EVEN SEND ME A LETTER OR NOTICE FOR THIS SO CALLED ACCOUNT THAT I AM UNAWARE OF! THIS ACCOUNT JUST POPS UP ON MY CREDIT REPORT! THAT IS A VIOLATION! 15 USC 1681 ( N ) ( B ) ALSO I AM DEMANDING FOR THE WRITTEN CONSENT/ CONTRACT WITH MY SIGNATURE SAYING THAT I GAVE THEM THE RIGHT TO ACCESS MY MEDICAL RECORDS AS WELL AS PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT! BECAUSE WHERE DID THIS ACCOUNT COME FROM???!!! I AM CONFIDENT THAT WAKEFIELD & ASSOCIATES IS A PREDATORY COMPANY WHO HAS MULTIPLE VIOLATIONS FOR FRAUDULENT REPORTING!!! THIS IS UNACCEPTABLE!!! SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY!!!
Consumer complaint received 2021-04-09
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. (TX)

I obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX XXXX  with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-05-25
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. (MD)

in accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (VA)

-Improper use of your report ( shared without consent, credit inquiries from unknown sources ) -Unable to get your credit report or credit score -Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) I have been working on my credit for the past year and a half and I am very proud to say that credit score for all three credit bureaus have really jumped up into the high 600 's. However every time I apply for a car loan I am denied. It is due to the company Sage Stream LLC reporting incorrect information and saying that my credit score is only XXXX. This is very disappointing and unprofessional as they say they work very closely with the three major credit bureaus however the information the release of me does not reflect that and it is causing damage and false information on my name.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (FL)

Received a call on XXXX XX/XX/XXXX from an agent from Financial Recovery Services, a debt collector, claiming that I owed {$810.00} for a " XXXX '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least XXXX years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.
Consumer complaint received 2021-11-14
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: Onity Group Inc. (AR)

XXXX XXXX  XXXX AND XXXX XXXX XXXX MUST NOW SEND LETTER TO XXXX XXXX AND FURNISH DELETION LETTERS FROM THEM ALL JUDGEMNETS AND ACCCOUNTS ARE BARRED DUE TIME.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

On XX/XX/21 I tried to unfreeze my credit report on both the XXXX and Equifax websites. I went through many, many hoops. For XXXX I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. Equifax insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I contacted XXXX multiple times to remove the collection account. This medical collection was generated in error and I paid the account on XX/XX/XXXX in full. The collection agency also notified all credit bureaus to remove the account from the credit history as it was in error and has been paid in full. XXXX and XXXX removed the account but XXXX has not taken any action. When contacted multiple times, I was told that the collection agency is still reporting the debt, when they are not.
Consumer complaint received 2021-04-08
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. (TX)

I obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity Properties Inc. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-11-24
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. (PA)

This is XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. I can see that the Negative Items which affect my scores are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (CA)

Equifax is letting 3 party collection agencies Fraudulently put fraudulent remarks on my credit report, version closed years ago due to bad service and defective product, XXXX XXXX who owes me money for a bad car and down payment, XXXX XXXX XXXX XXXX Which account was closed at a zero balance As I disputed a rental lease scam and breach of contract and credit was provided as I did not recieve any letters for weeks and moved out Of that place cause it was so bad, company did not call my to tell me where to fax what hey neeeded in time and months later harassed Me with false claims, and there is a medical I know nothing about that keep fraudulently piping up when I had my own coverage for decades
Consumer complaint received 2021-04-09
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. (MS)

I have been sending request to Experian and XXXX since last year and I'm not receiving responses from the credit bureaus. I sent investigation requests on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I even decided to send it certified after the non responsive attempts. I have proof they even received my last letters for an investigation and I'm not hearing anything. I attached the notice of delivery. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they couldn't verify in the time given.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had a Land 's End Visa card issued by Comenity Bank. On XX/XX/2023, I paid the balance in full. This was approximately two weeks before the due date. I had made all of my monthly payments on time. A few months I paid the balance in full. A few months I carried a balance. In XX/XX/2023, I received another statement indicating I owed {$21.00} in interest. The back of the statement states when the balance is paid in full, no additional interest will be incurred. I did so, but they still charged me interest. I have called Comenity and sent messages about this inaccurate interest charge, but they refuse to waive it. They state that I am paying the unbilled interest on the balance prior to the payment. 
When I paid the balance in full, the payment screen gave me four options : 1. amount due, 2. statement balance, 3. current balance, 4. other amount. There is no option for " pay off '' that shows the additional interest. The consumer is unaware they sill owe interest until they get another unexpected bill after they believe they've paid the balance in full. 
I now have to pay this falsely billed interest because I don't want my credit ruined. 
This is a deceptive, misleading and unfair practice.
Consumer complaint received 2021-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MD)

I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected. 

On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 

Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX. 
Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error. 

Thank you.
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (LA)

On some day in XXXX, one of my accounts was hacked and i had no knowledge of anything until I received an email and a phone call from one of my banks saying my account is being closed due to overdraft from a loan that they had no knowledge of & so did I. I immediately contacted the loan company and they werent helpful at all Ive submitted a police report 3 times & I am not getting anywhere. 

amount : XXXX account XXXX XXXX XXXX